Exhibit 99.02

 

DD DATA DATA REPORT

3375_AVNHT 2026-HE1_Final_7-22-26

Run Date - 7/28/2026 9:30:00 AM

 

Loan ID Seller Loan ID Investor Loan ID Transaction ID Lender Name Guideline Name UW Guideline Author UW Guideline Product Name UW Guideline Version UW Guideline Version Date ULI Total Number of Borrowers Borrower 1 First Name Borrower 1 Last Name Borrower 1 Citizen Borrower 1 FICO Date Borrower 1 Origination FICO  Borrower 1 Origination Equifax Borrower 1 Origination Experian Borrower 1 Origination TransUnion Borrower 2 First Name Borrower 2 Last Name Borrower 2 Citizen Borrower 2 FICO Date Borrower 2 Origination FICO  Borrower 2 Origination Equifax Borrower 2 Origination Experian Borrower 2 Origination TransUnion Borrower 3 First Name Borrower 3 Last Name Borrower 3 Citizen Borrower 3 FICO Date Borrower 3 Origination FICO  Borrower 3 Origination Equifax Borrower 3 Origination Experian Borrower 3 Origination TransUnion Final Qualifying FICO Subject Address Subject City Subject State Subject Zip Code Subject County Occupancy Loan Purpose Refinance Type Qualifying Subject Lien DTI Originator Qualifying DTI TPR Verified Qualifying DTI All Borrower Total Qualifying Income Borrower 1 Employment Status B1 Qualified Income Source B1 Income Doc Type B1 Income Doc Verification B1 Income Verification Level Borrower 2 Employment Status B2 Qualified Income Source B2 Income Doc Type B2 Income Doc Verification Aven Borrower 2 Income Verification Level Borrower 3 Employment Status B3 Qualified Income Source B3 Income Doc Type B3 Income Doc Verification Aven Borrower 3 Income Verification Level All Borrower Monthly Debt Escrow Flag Original Qualifying Loan Amount Subject Lien Qualifying Base LTV Original Qualifying CLTV Original Qualifying HCLTV Application Date Note Date Cash Disbursement Date First Payment Date Mortgage Type Loan Product Loan Program Original Note Interest Rate Original Qualifying Interest Rate Original P&I Payment Original Qualifying P&I Payment Monthly Escrow Payment Original Total Housing Expense (PITIA) Amortization Type Original Amortization Term Original Term to Maturity Maturity Date ARM Gross Margin ARM Rounding Method ARM Rounding Factor ARM Lookback Days ARM Rate Index Type Origination ARM Rate Index Value ARM Initial Interest Rate Cap ARM Subsequent Interest Rate Cap ARM Initial Interest Rate Floor ARM Lifetime Interest Rate Floor ARM Initial Interest Rate Maximum ARM Lifetime Interest Rate Maximum ARM First Rate Reset Date ARM First Payment Reset Date ARM Subsequent Interest Rate Reset Frequency ARM Subsequent Payment Reset Frequency Interest Only Flag Original Interest Only Term Balloon Flag Buydown Flag Prepayment Penalty Flag Prepayment Penalty Total Term Prepayment Penalty Type Origination Channel Property Type Number of Units Primary Value Property Valuation Date Primary Value Property Valuation Type Primary Value Property Value Secondary Value Property Valuation Date Secondary Value Property Form Type Secondary Value Property Value Sales Price Qualifying Property Value Date of Prior Sale Days Since Prior Sale Flood Zone Flag Flood Zone Code Flood Policy Number Subject Lien Position Other Lien Amount Other Lien Position Originator QM Status Final QM Status Cash Out Amount Total Origination and Discount Points Number of Mortgaged Properties Credit Report: Max Trade Line Credit Report: Longest Trade Line Credit Report: Number of Trade Lines Credit Line Usage Ratio GSE Eligible Flag QM Points and Fees Annual Percent Rate  (APR) Higher Priced Mortgage Loan (HPML) Flag Covered/High Cost Loan Flag
XXXXXX-100     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 01-14-2025   1 [Redacted] [Redacted] US Citizen 04-25-2025 695 695                                     695 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 20.03 24.22 22.12 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.36 8.36 8.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.49 9.49 421.63 421.63 0   HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       2.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12000 220 5 0.07549828178694158 No 0 9.490 No No
XXXXXX-101     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 01-14-2025   1 [Redacted] [Redacted] US Citizen 08-27-2025 698 698                                     698 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.25 50.73 50.73 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.35 59.84 59.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 13.74 13.74 1125.0 1125.0 0 2455.99 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       6.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31679 146 6 0.5486299629575148 No 0 13.740 No No
XXXXXX-102     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-09-2025 697 697     [Redacted] [Redacted] US Citizen 06-09-2025 713 713                     713 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.92 52.94 52.25 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.89 69.93 69.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 397.13 846.11 0 2725 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37404 256 14 0.4555082742316785 No 0 8.240 No No
XXXXXX-103     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-03-2025 850 850                                     850 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.43 22.48 26.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.45 62.88 62.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 1941.61 1941.61 0 1768 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35508 428 8 0.029647532729103726 No 0 7.240 No No
XXXXXX-104     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-12-2025 796 796                                     796 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.93 17.37 16.68 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.60 56.91 56.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 420.61 420.61 0 1250 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30127 245 9 0.06651428571428572 No 0 6.990 No No
XXXXXX-105     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-06-2025 753 753                                     753 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.68 46.07 48.69 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.73 88.97 88.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 1372.5 1372.5 0 2532 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       3.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 48055 153 15 0.19224815025611838 No 0 10.490 No No
XXXXXX-106     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-31-2025 752 752                                     752 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.68 42.42 39.56 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 39.87 73.38 73.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 976.12 2080.0 0 1078 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 95668 394 20 0.1251936376210235 No 0 8.240 No No
XXXXXX-107     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-19-2025 760 760                                     760 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.7 48.15 47.65 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.39 80.21 77.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 368.95 844.77 0 1363 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19500 183 5 0.4034084507042254 No 0 7.490 No No
XXXXXX-108     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-05-2025 845 845                                     845 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9 23.09 27.71 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.52 32.79 32.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1005.24 1005.24 0 2089 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23000 374 5 0 No 0 6.990 No No
XXXXXX-109     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-03-2025 772 772                                     772 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.45 39.61 39.23 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.47 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 114.88 114.88 0 2776 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41200 380 3 0.17987434554973822 No 0 7.740 No No
XXXXXX-110     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-09-2025 649 649                                     649 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.14 28.09 28.09 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.72 69.92 69.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 1125.0 1125.0 0 947.8 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       7.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10261 176 10 0.9983596214511041 No 0 14.990 No No
XXXXXX-111     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-29-2025 715 715                                     715 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.54 34.2 34.2 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.76 37.80 37.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.74 8.74 143.01 143.01 0 646.65 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       1.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39361 208 17 0.7360566706021251 No 0 8.740 No No
XXXXXX-112     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-03-2025 747 747                                     747 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 19.96 39.71 39.71 [Redacted] Employed Manual Verification Paystub Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.75 66.21 66.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 2010.47 2010.47 0 1154.62 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30128 159 10 0.1468828451882845 No 0 9.990 No No
XXXXXX-113     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-10-2025 781 781                                     781 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.13 48.59 49.07 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.17 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.99 8.99 470.64 470.64 0 1611 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27500 213 13 0.1122434938952235 No 0 8.990 No No
XXXXXX-114     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-13-2025 742 742                                     742 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.81 19.51 23.18 [Redacted] Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.18 62.72 62.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.74 9.74 2018.93 2018.93 0 2074 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33300 210 7 0.1673840769903762 No 0 9.740 No No
XXXXXX-115     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-17-2025 688 688                                     688 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.62 54.99 54.21 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.77 84.32 84.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.24 11.24 281.2 281.2 0 1831 HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       4.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 66111 177 28 0.8569165786694826 No 0 11.240 No No
XXXXXX-116     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-17-2025 778 778                                     778 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.3 53.59 54.7 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.25 53.77 53.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 168.24 168.24 0 1667 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail PUD 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 11000 251 11 0.1143743747138521 No 0 7.990 No No
XXXXXX-117     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-18-2025 821 821                                     821 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.39 29.98 32.17 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.76 62.32 62.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 1682.44 1682.44 0 2437 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 3 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32600 259 7 0.0021542227662178703 No 0 7.990 No No
XXXXXX-118     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-19-2025 656 656                                     656 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.23 46.28 46.58 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.52 64.69 64.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   13.49 13.49 370.14 370.14 0 939 HELOC - ARM 180 180 [Redacted] 6.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       6.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 11101 107 33 0.44335654103617717 No 0 13.490 No No
XXXXXX-119     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-19-2025 745 745                                     745 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.41 53.38 54.15 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.56 76.65 76.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 193.48 193.48 0 1207 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18000 311 7 0.5778730158730159 No 0 8.490 No No
XXXXXX-120     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-22-2025 817 817                                     817 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.25 13.92 16.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.10 56.08 56.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1342.56 1342.56 0 2133 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 29703 196 8 0 No 0 6.990 No No
XXXXXX-121     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-22-2025 639 639     [Redacted] [Redacted] US Citizen 11-22-2025 697 697                     697 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.1 28.91 29.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 19.62 64.55 64.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.49 11.49 800.0 800.0 0 1257 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       4.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47505 231 16 0.7165566886622675 No 0 11.490 No No
XXXXXX-122     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-24-2025 786 786     [Redacted] [Redacted] US Citizen 11-24-2025 703 703                     786 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.97 26.1 27.94 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.17 61.21 61.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 252.37 252.37 0 1097 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 133 10 0.20711493872143094 No 0 6.990 No No
XXXXXX-123     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-25-2025 811 811     [Redacted] [Redacted] US Citizen 11-25-2025 798 798                     811 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.6 16.47 16.47 [Redacted] Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 28.03 75.35 75.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1261.83 1261.83 0 316.96 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15700 113 2 0.08722567287784679 No 0 6.990 No No
XXXXXX-124     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-25-2025 753 753                                     753 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.28 41 44.07 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.36 79.16 79.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 420.61 420.61 0 1851 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50480 119 16 0.07154081187254474 No 0 7.240 No No
XXXXXX-125     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-27-2025 675 675     [Redacted] [Redacted] US Citizen 11-27-2025 712 712                     712 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.83 35.32 37.04 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 22.01 40.21 40.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.24 10.24 1182.97 1182.97 0 739 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31584 226 13 0.39295172132817274 No 0 10.240 No No
XXXXXX-126     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-29-2025 732 732                                     732 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.6 19.82 21.87 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.73 20.73 20.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.24 9.24 2400.0 2400.0 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 60862 166 4 0.33266478365099333 No 0 9.240 No No
XXXXXX-127     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-30-2025 731 731     [Redacted] [Redacted] US Citizen 11-30-2025 832 832                     832 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.96 19.07 17.75 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 22.32 66.53 73.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 629.26 2129.34 0 1061 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40100 384 17 0.21300909192174877 No 0 6.990 No No
XXXXXX-128     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-30-2025 813 813     [Redacted] [Redacted] US Citizen 11-30-2025 835 835                     835 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.65 44.48 43.79 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.20 44.11 44.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 506.86 506.86 0 738 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13100 169 18 0.0454686747648855 No 0 7.740 No No
XXXXXX-129     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-01-2025 775 775     [Redacted] [Redacted] US Citizen 11-05-2025 787 787                     787 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.09 18.4 24.17 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 29.07 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 2620.13 2620.13 0 1921 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6300 195 4 0.15111451942740287 No 0 6.990 No No
XXXXXX-130     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-01-2025 657 657     [Redacted] [Redacted] US Citizen 12-01-2025 722 722                     722 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.03 42.62 44.92 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 18.72 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.74 9.74 2850.46 2850.46 0 3475 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30548 293 12 0.6493474700747919 No 0 9.740 No No
XXXXXX-131     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-02-2025 726 726                                     726 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 0.94 48.91 48.66 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 0.87 27.65 27.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 84.12 84.12 0 1944 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26400 284 6 0.581419878296146 No 0 7.990 No No
XXXXXX-132     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-24-2025 743 743                                     743 [Redacted] [Redacted] PA [Redacted] [Redacted] Investment Refinance Cash Out - Home Improvement/Reno 12.62 11.48 15.6 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.06 19.06 19.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.24 11.24 841.22 841.22 0   HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       4.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 237 9 0.24538912579957356 No 0 11.240 No No
XXXXXX-133     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-26-2025 729 729                                     729 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.86 34.12 34.12 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.85 63.43 63.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.74 10.74 1064.67 1064.67 0 741.94 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25834 167 14 0.21072599531615924 No 0 10.740 No No
XXXXXX-134     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-03-2025 751 751                                     751 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.3 55 51.72 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.48 46.94 46.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.99 8.99 224.58 224.58 0 1379 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 23287 396 12 0.19941082802547772 No 0 8.990 No No
XXXXXX-135     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 647 647                                     647 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.16 43.98 43.73 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.26 77.25 77.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 112.5 112.5 0 2212 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       8.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18270 264 26 0.7613265306122449 No 0 14.990 No No
XXXXXX-136     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 781 781                                     781 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.92 26.17 25.42 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.73 49.01 49.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 131.23 131.23 0 1046 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7000 130 7 0.04559585492227979 No 0 6.990 No No
XXXXXX-137     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-04-2025 671 671     [Redacted] [Redacted] US Citizen 12-04-2025 691 691                     691 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.34 35.86 37.8 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.04 42.81 42.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 800.0 800.0 0 879 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       8.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11857 267 4 0.948445945945946 No 0 14.990 No No
XXXXXX-138     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-05-2025 710 710                                     710 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.85 46.34 49.23 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.42 56.53 56.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.74 10.74 354.89 354.89 0 1024 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25099 274 14 0.39932843651626443 No 0 10.740 No No
XXXXXX-139     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-07-2025 801 801                                     801 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.62 42.57 43.19 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.30 84.39 84.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 168.24 168.24 0 2225 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47434 267 14 0.025733130390664636 No 0 8.240 No No
XXXXXX-140     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-10-2025 758 758     [Redacted] [Redacted] US Citizen 12-10-2025 753 753                     758 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.53 25.73 30.61 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.88 55.51 55.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.24 9.24 354.89 354.89 0 1149 HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 131522 197 10 0.1723521681997372 No 0 9.240 No No
XXXXXX-141     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-10-2025 682 682                                     682 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.67 51.52 52.36 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.52 86.51 86.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   13.49 13.49 224.76 224.76 0 1826 HELOC - ARM 180 180 [Redacted] 6.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       6.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16208 118 15 0.3406104129263914 No 0 13.490 No No
XXXXXX-142     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-10-2025 680 680                                     680 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.28 53.13 53.13 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.09 47.61 47.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.49 12.49 800.0 800.0 0 1149.9 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       5.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50298 210 32 0.3693494758750222 No 0 12.490 No No
XXXXXX-143     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-11-2025 750 750     [Redacted] [Redacted] US Citizen 12-11-2025 723 723                     750 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.22 46.2 49.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 15.93 71.41 71.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.24 10.24 1261.83 1261.83 0 2450 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 17500 235 5 0.5074257898253317 No 0 10.240 No No
XXXXXX-144     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-13-2025 749 749                                     749 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.93 45.22 42.01 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.41 79.96 79.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 496.85 496.85 0 2000 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25113 248 14 0.12573878966979313 No 0 9.990 No No
XXXXXX-145     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-15-2025 697 697                                     697 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 20.12 50.51 50.39 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.74 25.22 25.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.99 12.99 1125.0 1125.0 0 693 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       6.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26000 283 8 0.8254843307074282 No 0 12.990 No No
XXXXXX-146     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-15-2025 696 696                                     696 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.5 21.67 25.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 26.25 72.73 72.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.49 11.49 1125.0 1125.0 0 1453 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       4.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51868 174 13 0.3001798561151079 No 0 11.490 No No
XXXXXX-147     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-16-2025 802 802     [Redacted] [Redacted] US Citizen 12-16-2025 728 728                     802 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.59 28.64 29.49 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.18 55.14 55.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 520.5 520.5 0 1601 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 47547 212 5 0.2391087742043913 No 0 7.990 No No
XXXXXX-148     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-18-2025 743 743     [Redacted] [Redacted] US Citizen 12-18-2025 696 696                     743 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.94 29.15 32.08 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 11.62 70.41 70.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 672.98 672.98 0 1555 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37212 184 8 0.37356275303643727 No 0 7.740 No No
XXXXXX-149     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-18-2025 724 724                                     724 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.21 16.65 19.33 [Redacted] Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 36.60 81.87 81.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 3496.0 3496.0 0 2064 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 59264 253 25 0.16878944348823866 No 0 9.990 No No
XXXXXX-150     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-20-2025 706 706                                     706 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.36 29.39 29.39 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.22 37.01 37.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.74 8.74 420.61 420.61 0 2167.14 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17398 149 17 0.1423381834472818 No 0 8.740 No No
XXXXXX-151     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 772 772                                     772 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.46 30.73 30.73 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.43 15.27 15.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.74 6.74 168.24 168.24 0 444.26 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 321 10 0.051086751086751085 No 0 6.740 No No
XXXXXX-152     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 790 790                                     790 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.24 34.44 36.15 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.82 50.60 50.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 286.01 286.01 0 941 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20476 186 6 0.23031276179838034 No 0 6.990 No No
XXXXXX-153     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-23-2025 684 684                                     684 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.65 45.99 47.44 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.32 56.82 56.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.74 11.74 800.0 800.0 0 1698 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       4.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 47143 231 13 0.7086260623229462 No 0 11.740 No No
XXXXXX-154     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-23-2025 763 763                                     763 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.24 33.47 36.71 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.22 45.68 45.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 640.45 640.45 0 2269 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35042 145 3 0 No 0 7.490 No No
XXXXXX-155     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-24-2025 662 662                                     662 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.97 20.17 17.37 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.09 26.50 26.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.24 12.24 473.19 473.19 0 784 HELOC - ARM 180 180 [Redacted] 5.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       5.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22728 235 9 0.4105062123130405 No 0 12.240 No No
XXXXXX-156     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-25-2025 695 695     [Redacted] [Redacted] US Citizen 12-25-2025 745 745                     745 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.73 33.85 31.52 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.86 43.00 43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 841.22 841.22 0 2293 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 109982 541 22 0.5574836967365815 No 0 7.740 No No
XXXXXX-157     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-26-2025 739 739                                     739 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.28 48.45 48.45 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.96 73.41 73.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.49 9.49 256.0 256.0 0 2758.62 HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47444 260 10 0.11786821705426356 No 0 9.490 No No
XXXXXX-158     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-27-2025 760 760     [Redacted] [Redacted] US Citizen 12-27-2025 768 768                     768 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.5 40.6 43.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.66 42.87 42.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 672.98 672.98 0 1674 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22500 462 8 0.3288346250910215 No 0 7.240 No No
XXXXXX-159     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-29-2025 815 815                                     815 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.7 23.15 23.15 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.71 129.17 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 242.27 242.27 0 1218.83 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 22700 245 8 0.17398506157881014 No 0 6.990 No No
XXXXXX-160     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-29-2025 703 703     [Redacted] [Redacted] US Citizen 12-29-2025 682 682                     703 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.4 22.79 25.56 [Redacted] Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.80 71.86 71.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.74 9.74 1064.67 1064.67 0 1594 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8200 189 7 0.5356829831876976 No 0 9.740 No No
XXXXXX-161     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-30-2025 697 697                                     697 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.83 31.64 33.38 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.64 54.42 54.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.74 14.74 520.5 520.5 0 1226 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       7.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13449 173 17 0.4013237924865832 No 0 14.740 No No
XXXXXX-162     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-31-2025 678 678     [Redacted] [Redacted] US Citizen 12-31-2025 714 714                     714 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.56 46.93 43.82 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.44 62.27 62.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.49 9.49 252.37 252.37 0 2297 HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 33000 429 7 0.6783465608465609 No 0 9.490 No No
XXXXXX-163     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-31-2025 672 672     [Redacted] [Redacted] US Citizen 12-31-2025 785 785                     785 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.62 41.46 42.37 [Redacted] Unknown Stated Stated IRS Transcript 3 - Stated, Partially Verified Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.05 80.22 80.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.99 8.99 1425.55 1425.55 0 2781 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17400 257 10 0.39724279835390947 No 0 8.990 No No
XXXXXX-164     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-01-2026 830 830                                     830 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.59 26.62 23.41 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 23.03 30.62 30.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 676.89 676.89 0 382 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12000 226 2 0.0018333333333333333 No 0 7.490 No No
XXXXXX-165     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-01-2026 670 670     [Redacted] [Redacted] US Citizen 01-01-2026 698 698                     698 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.8 49.37 47.58 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 15.72 79.10 79.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.99 12.99 1125.0 1125.0 0 2337 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       6.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23775 241 10 0.6125722309229357 No 0 12.990 No No
XXXXXX-166     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-02-2026 756 756                                     756 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 19.6 21.41 30.3 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.24 10.24 2205.0 2205.0 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 14400 170 5 0.15822299651567945 No 0 10.240 No No
XXXXXX-167     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-03-2026 705 705                                     705 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.5 28.15 29.81 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.52 48.02 48.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.24 9.24 591.34 591.34 0 1955 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44205 282 7 0.32403846153846155 No 0 9.240 No No
XXXXXX-168     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-04-2026 744 744     [Redacted] [Redacted] US Citizen 01-04-2026 804 804                     804 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.05 43.42 46.26 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 18.17 52.96 52.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 757.1 757.1 0 944 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 22502 160 6 0.2834019501625135 No 0 6.990 No No
XXXXXX-169     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-05-2026 705 705                                     705 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.8 49.21 49.72 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.14 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.99 10.99 332.06 332.06 0 1975 HELOC - ARM 180 180 [Redacted] 4.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       4.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6222 90 40 0.16382862351868732 No 0 10.990 No No
XXXXXX-170     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-15-2025 692 692     [Redacted] [Redacted] US Citizen 12-15-2025 752 752                     752 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.87 46.67 44.38 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 25.51 55.62 55.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 1706.07 3722.9 0 2758 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 25000 146 3 0.08516637478108581 No 0 7.990 No No
XXXXXX-171     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-05-2026 645 645                                     645 [Redacted] [Redacted] ID [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.46 32.61 32.79 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.67 54.48 54.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 168.24 168.24 0 1168 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       8.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 63048 234 14 0.9647668393782384 No 0 14.990 No No
XXXXXX-172     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-06-2026 732 732                                     732 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.19 26.58 27.38 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.11 84.46 84.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 841.22 841.22 0 2179 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11652 245 8 0.4405270092226614 No 0 9.990 No No
XXXXXX-173     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-06-2026 849 849                                     849 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.83 7.64 7.64 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.01 7.98 3.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 129.55 129.55 0 214.36 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 292 9 0.005314091680814941 No 0 6.990 No No
XXXXXX-174     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-06-2026 747 747                                     747 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 17.27 18.61 19.31 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.70 14.70 14.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.24 10.24 473.65 1189.85 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17300 252 11 0.22006617688295665 No 0 10.240 No No
XXXXXX-175     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-08-2026 704 704                                     704 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.71 22.56 20.84 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.07 42.69 42.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.24 11.24 1600.0 1600.0 0 1193 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       4.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39000 352 16 0.7411707012616469 No 0 11.240 No No
XXXXXX-176     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-08-2026 680 680     [Redacted] [Redacted] US Citizen 01-08-2026 701 701                     701 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.42 46.69 46.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.89 13.69 13.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 504.73 504.73 0 661.35 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   3 [Redacted] Existing 1st and 2nd ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 12000 240 9 0.6699668874172185 No 0 8.240 No No
XXXXXX-177     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-06-2026 777 777                                     777 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.13 38.95 42.58 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.71 74.67 74.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 504.73 504.73 0 2282 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7248 110 2 0 No 0 7.740 No No
XXXXXX-178     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-28-2025 810 810     [Redacted] [Redacted] US Citizen 12-28-2025 731 731                     810 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.78 26.2 29.55 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.38 45.31 45.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 1189.85 1189.85 0 2589 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 39757 240 6 0.4306212121212121 No 0 7.490 No No
XXXXXX-179     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 835 835                                     835 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 19.73 51.16 47.38 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 26.09 63.87 63.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 1600.0 1600.0 0 1852 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31732 269 4 0.003173076923076923 No 0 7.240 No No
XXXXXX-180     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-10-2026 774 774                                     774 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.21 26.67 26.67 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.70 34.09 34.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 423.06 423.06 0 117.6 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 253 11 0.1636677256030974 No 0 6.990 No No
XXXXXX-181     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-10-2026 680 680                                     680 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.72 51.83 51.83 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.48 86.94 86.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.74 11.74 238.33 238.33 0 979.25 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       5.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19884 222 4 0.8212121212121212 No 0 11.740 No No
XXXXXX-182     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-10-2026 708 708                                     708 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.52 25.66 26.98 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.51 40.95 40.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 168.24 168.24 0 1050 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       1.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 2000 240 2 0.447 No 0 8.490 No No
XXXXXX-183     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-11-2026 795 795     [Redacted] [Redacted] US Citizen 01-11-2026 627 627                     795 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.27 16.32 21.46 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 18.03 75.57 75.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 1206.62 1206.62 0 1058 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20848 249 7 0.09937254901960785 No 0 7.490 No No
XXXXXX-184     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-08-2026 709 709                                     709 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.96 27.34 28.03 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.99 14.99 14.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 995.26 995.26 0   HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 13000 289 14 0.44067251461988305 No 0 7.990 No No
XXXXXX-185     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-12-2026 794 794     [Redacted] [Redacted] US Citizen 01-12-2026 770 770                     794 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.57 18.67 21.81 [Redacted] Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.84 48.45 48.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1682.26 1682.26 0 3624 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 50000 401 7 0.25539301310043666 No 0 6.990 No No
XXXXXX-186     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-10-2026 728 728                                     728 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.23 54.99 52.52 [Redacted] Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.15 14.15 14.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 598.82 598.82 0   HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       1.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 52663 206 8 0.2666868015705225 No 0 8.240 No No
XXXXXX-187     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-03-2026 736 736     [Redacted] [Redacted] US Citizen 01-15-2026 804 804                     804 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.99 37.75 42.61 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 14.30 82.00 82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.24 9.24 674.75 674.75 0 1635 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13600 111 7 0.11187780772686433 No 0 9.240 No No
XXXXXX-188     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-13-2026 748 748                                     748 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.36 36.31 36.31 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.62 15.51 15.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 422.09 422.09 0 139.74 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19790 257 18 0.09215775494439213 No 0 7.490 No No
XXXXXX-189     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-16-2026 739 739                                     739 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.6 49 52.07 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.07 75.03 75.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 2400.0 2400.0 0 3699 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 67945 153 15 0.25531717380092833 No 0 7.490 No No
XXXXXX-190     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-20-2026 656 656                                     656 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.34 35.65 37.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 22.52 72.49 72.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.99 10.99 588.85 588.85 0 554 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       4.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36611 235 15 0.45606089438629877 No 0 10.990 No No
XXXXXX-191     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-20-2026 639 639     [Redacted] [Redacted] US Citizen 01-20-2026 820 820                     820 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.16 40.82 42.71 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 18.03 73.85 73.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1093.59 1093.59 0 1544 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 58694 209 21 0.6972320217096336 No 0 6.990 No No
XXXXXX-192     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-15-2026 690 690     [Redacted] [Redacted] US Citizen 01-15-2026 723 723                     723 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.48 3.98 4.1 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.18 7.18 7.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.99 10.99 354.89 354.89 0   HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       4.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6300 546 6 0.3296764705882353 No 0 10.990 No No
XXXXXX-193     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-16-2026 726 726                                     726 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 19.35 34.1 36.4 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.36 83.90 83.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.49 9.49 1703.47 1703.47 0 1964 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16200 246 12 0.14919745222929937 No 0 9.490 No No
XXXXXX-194     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-21-2026 731 731                                     731 [Redacted] [Redacted] AK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.97 47.51 50.63 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.05 87.50 87.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 473.19 473.19 0 2851 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 119 3 0.47892957746478876 No 0 9.990 No No
XXXXXX-195     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-22-2026 816 816                                     816 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.14 44.72 44.45 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.47 50.85 50.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 119.45 119.45 0 1728 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45271 216 7 0.09564705882352942 No 0 6.990 No No
XXXXXX-196     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-22-2026 693 693                                     693 [Redacted] [Redacted] ID [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.07 38.72 39.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.80 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.24 12.24 317.6 317.6 0 3138 HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       5.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47662 146 8 0.6801333333333334 No 0 12.240 No No
XXXXXX-197     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-23-2026 752 752                                     752 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 0.52 20.56 18.39 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.36 83.84 83.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.74 8.74 80.0 80.0 0 1939 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23700 161 11 0.17486330935251798 No 0 8.740 No No
XXXXXX-198     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-24-2026 693 693     [Redacted] [Redacted] US Citizen 01-24-2026 818 818                     818 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.53 38.72 43.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 18.84 74.32 74.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.74 8.74 1424.55 1424.55 0 1646 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26812 281 8 0.13643787490890064 No 0 8.740 No No
XXXXXX-199     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-24-2026 695 695     [Redacted] [Redacted] US Citizen 01-24-2026 736 736                     736 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.67 25.22 29.71 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.60 82.59 82.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 784.0 784.0 0 1077 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       1.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 93297 141 9 0.22754311121792947 No 0 8.490 No No
XXXXXX-200     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-02-2025 674 674                                     674 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.89 52.01 54.55 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.54 57.32 57.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.49 12.49 448.87 672.98 0 3375.14 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       5.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35756 220 11 0.3527937289217027 No 0 12.490 No No
XXXXXX-201     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 05-15-2025 674 674                                     674 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.21 53.61 53.7 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 29.80 75.45 75.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.24 12.24 800.0 800.0 0 677 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       4.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38065 176 14 0.7521691378363536 No 0 12.240 No No
XXXXXX-202     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 09-19-2025 639 639                                     639 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.86 48.56 50 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.12 48.22 48.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 800.0 800.0 0 2133 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       7.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 67508 379 11 0.6663636363636364 No 0 14.990 No No
XXXXXX-203     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 09-29-2025 637 637                                     637 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.21 36.15 40.3 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.29 7.29 7.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   13.49 13.49 168.24 168.24 0   HELOC - ARM 180 180 [Redacted] 6.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       6.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16160 134 2 0.67 No 0 13.490 No No
XXXXXX-204     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 10-17-2025 804 804                                     804 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.2 39.55 43.01 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.47 72.33 72.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1691.33 1691.33 0 3107 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 170 12 0.09394295302013422 No 0 6.990 No No
XXXXXX-205     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 10-28-2025 837 837                                     837 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.85 9.1 8.91 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 30.82 30.82 30.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 572.03 572.03 0   HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16800 258 4 0.0000936768149882904 No 0 6.990 No No
XXXXXX-206     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-06-2025 801 801                                     801 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.85 46.44 43.53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.42 7.42 7.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 281.27 281.27 0   HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27500 221 7 0.22244636244434518 No 0 6.990 No No
XXXXXX-207     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 08-27-2025 814 814                                     814 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.11 27.96 25.04 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.93 87.91 87.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 473.66 473.66 0 1696 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33000 142 19 0.0715144287647766 No 0 7.490 No No
XXXXXX-208     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 09-02-2025 632 632                                     632 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.88 33.4 32.98 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.40 22.57 22.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   15.49 15.49 336.49 336.49 0 598 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       8.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 0 217 0 0 No 0 15.490 No No
XXXXXX-209     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 09-14-2025 741 741                                     741 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 15.47 33.51 28.07 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 75.29 75.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 2319.91 2319.91 0 1148 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 65874 104 9 0.32933962264150946 No 0 9.990 No No
XXXXXX-210     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   2 [Redacted] [Redacted] US Citizen 09-30-2025 777 777     [Redacted] [Redacted] US Citizen 09-30-2025 819 819                     819 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 0.88 23.73 23.51 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 1.84 47.96 47.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 168.24 168.24 0 2598 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24500 291 6 0.2710443864229765 No 0 7.250 No No
XXXXXX-211     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   2 [Redacted] [Redacted] US Citizen 10-01-2025 780 780     [Redacted] [Redacted] US Citizen 10-01-2025 652 652                     780 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.62 46.59 47.02 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 40.00 45.84 45.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.99 8.99 3601.75 3601.75 0 1107 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       1.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32900 374 8 0.5886849997458445 No 0 8.990 No No
XXXXXX-212     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 10-04-2025 801 801                                     801 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.55 44 47.29 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 24.22 75.08 75.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 1684.21 1684.21 0 1752.12 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37000 262 42 0.06345783132530121 No 0 7.490 No No
XXXXXX-213     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 02-25-2026   1 [Redacted] [Redacted] US Citizen 10-05-2025 731 731                                     731 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.88 32.65 36.45 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.28 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.49 9.49 651.06 651.06 0 1542 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       2.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13619 47 8 0.13124767225325884 No 0 9.490 No No
XXXXXX-214     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   2 [Redacted] [Redacted] US Citizen 10-13-2025 718 718     [Redacted] [Redacted] US Citizen 10-13-2025 780 780                     780 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.26 55 54.69 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 10.87 81.98 81.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 799.73 799.73 0 2136 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 255 6 0.45805555555555555 No 0 8.490 No No
XXXXXX-215     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 10-16-2025 835 835                                     835 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.83 48.37 46.35 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.49 53.57 53.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 220.43 220.43 0 598.8 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12611 286 8 0.14235632183908045 No 0 7.490 No No
XXXXXX-216     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 10-20-2025 787 787                                     787 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.12 29.85 29.51 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.74 29.35 29.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 168.24 168.24 0 1764 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40300 167 7 0.31873489694385215 No 0 6.990 No No
XXXXXX-217     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 10-23-2025 781 781                                     781 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.19 36.74 36.25 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.35 20.35 20.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.74 9.74 672.98 672.98 0   HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       2.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 23952 210 6 0.22053061224489795 No 0 9.740 No No
XXXXXX-218     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 10-24-2025 656 656                                     656 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.19 54.64 52.18 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.69 54.20 54.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.24 12.24 386.96 386.96 0 1924 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       5.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8906 146 8 0.8278 No 0 12.240 No No
XXXXXX-219     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 02-25-2026   1 [Redacted] [Redacted] US Citizen 10-28-2025 762 762                                     762 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.04 45.86 41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.47 20.76 10.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 294.43 294.43 0 496 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 75000 534 3 0.8447383720930233 No 0 6.990 No No
XXXXXX-220     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 02-25-2026   2 [Redacted] [Redacted] US Citizen 11-01-2025 788 788     [Redacted] [Redacted] US Citizen 11-01-2025 800 800                     800 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.17 31.88 31.06 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 2.52 42.60 42.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.74 6.74 588.85 588.85 0 3484 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32000 194 10 0.20192202086765512 No 0 6.740 No No
XXXXXX-221     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-04-2025 701 701                                     701 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 22 37.58 41.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.52 61.61 61.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 887.22 887.22 0 850.13 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 242 11 0.8120313862249346 No 0 10.490 No No
XXXXXX-222     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-08-2025 700 700                                     700 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.38 14.61 16.29 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.79 38.72 38.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 416.0 416.0 0 527.03 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 300 139 2 0.7075 No 0 7.990 No No
XXXXXX-223     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-06-2025 735 735                                     735 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.15 55 53.23 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.14 72.11 72.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.74 9.74 606.06 606.06 0 3039 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12000 127 33 0.10974371270998773 No 0 9.740 No No
XXXXXX-224     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-14-2025 734 734                                     734 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.14 42.62 39.6 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.90 28.80 28.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.74 8.74 168.24 168.24 0 786 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 238 11 0.2186865671641791 No 0 8.740 No No
XXXXXX-225     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-15-2025 711 711                                     711 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.16 53.37 50.57 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 30.16 84.01 84.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.49 9.49 1600.0 1600.0 0 1732 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27000 140 23 0.19645875251509054 No 0 9.490 No No
XXXXXX-226     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-14-2025 679 679                                     679 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.96 18.51 20.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.51 19.51 19.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.24 10.24 437.43 437.43 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5493 49 7 0.66 No 0 10.240 No No
XXXXXX-227     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-12-2025 744 744                                     744 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.33 29.93 29.38 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.74 58.78 58.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 100.95 100.95 0 907 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47427 107 2 0 No 0 6.990 No No
XXXXXX-228     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   2 [Redacted] [Redacted] US Citizen 11-24-2025 832 832     [Redacted] [Redacted] US Citizen 11-24-2025 842 842                     842 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6 51.61 54.72 [Redacted] Employed Manual Verification Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.32 57.83 57.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 1600.0 1600.0 0 10543 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 192 12 0.048081706830694335 No 0 7.240 No No
XXXXXX-229     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   2 [Redacted] [Redacted] US Citizen 11-24-2025 653 653     [Redacted] [Redacted] US Citizen 11-24-2025 684 684                     684 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.17 21.42 25.24 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 10.75 16.86 16.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 757.1 757.1 0 537.28 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       8.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50685 143 11 0.27556880278191753 No 0 14.990 No No
XXXXXX-230     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-24-2025 795 795                                     795 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.53 55 54.14 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.31 88.04 88.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.74 8.74 677.54 677.54 0 4131 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 85000 113 7 0.028574647887323945 No 0 8.740 No No
XXXXXX-231     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-18-2025 685 685                                     685 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.88 52.09 54.12 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.54 73.80 73.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.99 11.99 336.49 336.49 0 857.19 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       5.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11672 155 11 0.39587939698492464 No 0 11.990 No No
XXXXXX-232     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 11-04-2025 814 814                                     814 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.4 33.87 37.56 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.96 27.93 27.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 592.28 592.28 0 1858 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 25000 75 7 0.026194690265486726 No 0 6.990 No No
XXXXXX-233     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 12-01-2025 654 654                                     654 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.91 35.82 38.11 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 25.34 52.62 52.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 800.0 800.0 0 566 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       8.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57963 157 11 0.4340468227424749 No 0 14.990 No No
XXXXXX-234     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 02-25-2026   1 [Redacted] [Redacted] US Citizen 12-01-2025 825 825                                     825 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.33 16.92 16.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 39.94 50.96 50.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 2208.0 2208.0 0 949 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 316 4 0.3653435114503817 No 0 6.990 No No
XXXXXX-235     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   2 [Redacted] [Redacted] US Citizen 12-02-2025 766 766     [Redacted] [Redacted] US Citizen 12-02-2025 733 733                     766 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.08 28.24 28.21 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 5.69 52.48 52.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 700.4 700.4 0 1999 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 315 18 0.1811372197309417 No 0 7.740 No No
XXXXXX-236     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 12-03-2025 779 779                                     779 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.19 29.46 26.83 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.26 55.52 55.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 1882.35 1882.0 0 4799 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 129 8 0.1860460841352561 No 0 7.740 No No
XXXXXX-237     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   2 [Redacted] [Redacted] US Citizen 12-04-2025 842 842     [Redacted] [Redacted] US Citizen 12-04-2025 805 805                     842 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.87 37.43 40.5 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.14 76.30 76.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 1850.68 1850.68 0 3419 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 12000 263 8 0.029277309027287864 No 0 7.240 No No
XXXXXX-238     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 12-05-2025 753 753                                     753 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.94 37.25 32.84 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.63 87.67 87.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 504.73 504.73 0 1995 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8700 469 9 0.18144712430426715 No 0 7.490 No No
XXXXXX-239     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 12-10-2025 682 682                                     682 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.74 31.89 35.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.64 22.40 22.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.24 12.24 1125.0 1125.0 0 1044 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       5.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46468 459 16 0.4038480115923362 No 0 12.240 No No
XXXXXX-240     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 12-11-2025 669 669                                     669 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.69 54.25 52.23 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.98 26.45 26.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.24 11.24 485.42 800.0 0 393.44 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       4.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48120 86 11 0.03159420289855072 No 0 11.240 No No
XXXXXX-241     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 12-10-2025 651 651                                     651 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.22 28.14 26.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.25 58.31 58.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.99 11.99 151.42 151.42 0 1285 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       5.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 3909 181 8 0.4416450216450216 No 0 11.990 No No
XXXXXX-242     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   2 [Redacted] [Redacted] US Citizen 12-13-2025 839 839     [Redacted] [Redacted] US Citizen 12-14-2025 850 850                     850 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.53 11.26 13.22 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 24.75 73.00 73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 2513.09 2513.09 0 2775 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 54100 284 1 0.010124416796267495 No 0 6.990 No No
XXXXXX-243     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 12-15-2025 707 707                                     707 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.82 21.78 23.21 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 33.63 33.63 33.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.99 12.99 1600.0 1600.0 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       6.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 69739 437 9 0.4541504785622291 No 0 12.990 No No
XXXXXX-244     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 12-16-2025 801 801                                     801 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.9 54.99 52.09 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.14 58.26 58.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 680.24 680.24 0 4255 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 160169 265 20 0.18494911767890007 No 0 7.990 No No
XXXXXX-245     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   2 [Redacted] [Redacted] US Citizen 12-17-2025 697 697     [Redacted] [Redacted] US Citizen 12-17-2025 712 712                     712 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.99 32.39 34.79 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 9.12 40.41 40.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 1600.0 1600.0 0 2086 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 66754 311 9 0.7063459037711314 No 0 8.240 No No
XXXXXX-246     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 01-11-2026 702 702                                     702 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.08 51.87 51.79 [Redacted] Employed Work Number Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.40 68.39 68.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.24 10.24 895.67 1600.0 0 1536 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       3.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31631 141 17 0.26879078640769866 No 0 10.240 No No
XXXXXX-247     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 01-03-2026 684 684                                     684 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.05 34.11 37.3 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.74 19.74 19.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 800.0 800.0 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9092 205 12 0.24652680652680653 No 0 9.990 No No
XXXXXX-248     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 01-28-2026 811 811                                     811 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.29 53.15 54.14 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.13 83.50 83.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 541.51 541.51 0 1369 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36253 157 12 0.09120851596743895 No 0 6.990 No No
XXXXXX-249     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 01-14-2025   2 [Redacted] [Redacted] US Citizen 06-03-2025 786 786     [Redacted] [Redacted] US Citizen 06-03-2025 750 750                     786 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.2 44.59 41.66 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 23.78 84.97 84.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 2384.0 2384.0 0 3833.38 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 92379 123 29 0.18014489730119293 No 0 6.990 No No
XXXXXX-250     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 06-19-2025   2 [Redacted] [Redacted] US Citizen 06-26-2025 770 770     [Redacted] [Redacted] US Citizen 06-26-2025 729 729                     770 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.86 28.11 23.88 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 38.16 80.10 80.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 1143.34 1143.34 0 1886 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       3.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 134 20 0.09326594469841552 No 0 10.490 No No
XXXXXX-251     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 06-19-2025   1 [Redacted] [Redacted] US Citizen 06-25-2025 756 756                                     756 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.67 24.36 29.53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 39.17 52.20 52.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 914.67 2250.0 0 585.72 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       3.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20952 240 3 0.4287142857142857 No 0 10.490 No No
XXXXXX-252     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 06-19-2025   2 [Redacted] [Redacted] US Citizen 05-28-2025 677 677     [Redacted] [Redacted] US Citizen 05-28-2025 664 664                     677 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.22 45.36 43.65 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.92 79.97 79.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 967.5 967.5 0 1089 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       7.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22400 341 7 0.5859837032176836 No 0 14.990 No No
XXXXXX-253     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 06-19-2025   2 [Redacted] [Redacted] US Citizen 06-23-2025 829 829     [Redacted] [Redacted] US Citizen 06-23-2025 756 756                     829 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.59 32.04 36.88 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 9.87 72.56 72.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1360.0 1360.0 0 4440 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 197 1 0.14572 No 0 6.990 No No
XXXXXX-254     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 06-19-2025   2 [Redacted] [Redacted] US Citizen 07-18-2025 754 754     [Redacted] [Redacted] US Citizen 07-18-2025 718 718                     754 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.22 30.23 29.91 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 33.11 66.39 66.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 1689.55 1689.55 0 1116 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46605 226 11 0.5591994281629735 No 0 7.740 No No
XXXXXX-255     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 06-19-2025   1 [Redacted] [Redacted] US Citizen 07-16-2025 745 745                                     745 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.07 49.62 51.23 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.93 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.24 9.24 454.5 454.5 0 4128 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       1.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24835 114 12 0.2204690541947752 No 0 9.240 No No
XXXXXX-256     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 06-19-2025   2 [Redacted] [Redacted] US Citizen 06-30-2025 816 816     [Redacted] [Redacted] US Citizen 06-30-2025 834 834                     834 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.39 44.73 43.78 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 11.21 79.61 79.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.74 8.74 1462.5 1462.5 0 2804 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41101 338 6 0.07296842105263159 No 0 8.740 No No
XXXXXX-257     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 07-30-2025   1 [Redacted] [Redacted] US Citizen 07-14-2025 746 746                                     746 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.9 30.19 31.17 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.96 38.65 38.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 1040.0 1040.0 0 4135 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20000 206 7 0.2289642857142857 No 0 7.240 No No
XXXXXX-258     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 07-30-2025   1 [Redacted] [Redacted] US Citizen 08-05-2025 760 760                                     760 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.03 32.37 36.43 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.13 59.34 59.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 624.0 624.0 0 1023 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51077 143 6 0.37994397759103643 No 0 6.990 No No
XXXXXX-259     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 07-30-2025   2 [Redacted] [Redacted] US Citizen 08-10-2025 638 638     [Redacted] [Redacted] US Citizen 08-10-2025 721 721                     721 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.87 41.66 42.02 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 7.12 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.74 12.74 448.9 448.9 0 2005 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       5.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20043 466 23 0.5821851348728896 No 0 12.740 No No
XXXXXX-260     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 08-14-2025   1 [Redacted] [Redacted] US Citizen 08-17-2025 756 756                                     756 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.4 51.41 53.36 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.74 61.45 61.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.24 9.24 400.0 400.0 0 1828 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       1.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20399 204 8 0.08664495114006515 No 0 9.240 No No
XXXXXX-261     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 08-14-2025   1 [Redacted] [Redacted] US Citizen 07-31-2025 832 832                                     832 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.11 51.54 53.94 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.56 58.37 58.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.79 9.79 1600.0 1600.0 0 2644 HELOC - ARM 360 360 [Redacted] 2.54 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       2.54   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 100750 288 5 0.5810164489931166 No 0 9.790 No No
XXXXXX-262     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 08-14-2025   2 [Redacted] [Redacted] US Citizen 07-30-2025 810 810     [Redacted] [Redacted] US Citizen 07-30-2025 841 841                     841 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.31 43.58 47.16 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 18.94 43.70 43.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 1689.55 1689.55 0 1948 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28200 228 8 0.2542808941374947 No 0 7.490 No No
XXXXXX-263     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 08-14-2025   1 [Redacted] [Redacted] US Citizen 08-07-2025 689 689                                     689 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.66 55 51.29 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.56 42.55 42.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   15.24 15.24 612.72 612.72 0 2119 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       7.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14400 292 29 0.6199346140336657 No 0 15.240 No No
XXXXXX-264     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   2 [Redacted] [Redacted] US Citizen 08-19-2025 826 826     [Redacted] [Redacted] US Citizen 08-19-2025 846 846                     846 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.31 25.47 28.84 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 25.16 75.35 75.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 698.3 1488.0 0 1620 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45000 234 10 0.2967190332326284 No 0 8.240 No No
XXXXXX-265     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 08-14-2025   1 [Redacted] [Redacted] US Citizen 08-23-2025 746 746                                     746 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.77 40.18 39.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.30 46.45 46.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.74 8.74 1340.31 1340.31 0 3573 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 80943 411 10 0.38877493677999436 No 0 8.740 No No
XXXXXX-266     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   1 [Redacted] [Redacted] US Citizen 08-28-2025 763 763                                     763 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.88 36.22 39.03 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.50 55.32 55.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 239.37 589.01 0 1967.51 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       3.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 32032 301 6 0.1559032258064516 No 0 10.490 No No
XXXXXX-267     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   2 [Redacted] [Redacted] US Citizen 08-28-2025 824 824     [Redacted] [Redacted] US Citizen 08-28-2025 799 799                     824 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.72 35.67 34.22 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 963.74 2319.21 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 31451 203 13 0.006419753086419753 No 0 6.990 No No
XXXXXX-268     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   1 [Redacted] [Redacted] US Citizen 09-03-2025 824 824                                     824 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.3 41.86 45.42 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.87 48.00 48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 408.0 408.0 0 991 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail PUD 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21500 398 17 0.06979576399394856 No 0 7.990 No No
XXXXXX-269     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   1 [Redacted] [Redacted] US Citizen 09-05-2025 786 786                                     786 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.97 32.29 30.33 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.40 52.90 52.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 280.13 280.13 0 1590 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24000 238 2 0.3635294117647059 No 0 6.990 No No
XXXXXX-270     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   1 [Redacted] [Redacted] US Citizen 08-24-2025 722 722                                     722 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.88 35.75 39.64 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.23 70.94 70.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.74 10.74 1301.26 1301.26 0 1631 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 66398 241 21 0.33701502286087526 No 0 10.740 No No
XXXXXX-271     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   1 [Redacted] [Redacted] US Citizen 09-02-2025 757 757                                     757 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.75 32.49 35.78 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.24 83.24 83.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 579.79 579.79 0 872 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39774 237 12 0.17778911564625852 No 0 7.490 No No
XXXXXX-272     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   1 [Redacted] [Redacted] US Citizen 09-09-2025 703 703                                     703 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.37 27.71 29.86 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.91 72.43 72.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.74 9.74 672.98 672.98 0 1202 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       2.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 68863 125 12 0.316735112936345 No 0 9.740 No No
XXXXXX-273     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   1 [Redacted] [Redacted] US Citizen 08-13-2025 724 724                                     724 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.99 50.03 49.27 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.58 37.02 37.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.49 14.49 946.37 946.37 0 2538 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       7.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 165750 291 15 0.8330301665916254 No 0 14.490 No No
XXXXXX-274     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 08-14-2025   1 [Redacted] [Redacted] US Citizen 09-05-2025 644 644                                     644 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.62 8.17 12.92 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.05 12.05 12.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.74 10.74 420.61 420.61 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 3000 24 1 0.16666666666666666 No 0 10.740 No No
XXXXXX-275     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-12-2025   2 [Redacted] [Redacted] US Citizen 09-11-2025 727 727     [Redacted] [Redacted] US Citizen 09-11-2025 774 774                     774 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.28 37.36 41.95 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 23.11 66.51 66.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 4712.04 4712.04 0 4899 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 52538 504 20 0.30937271768238256 No 0 8.490 No No
XXXXXX-276     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-12-2025   2 [Redacted] [Redacted] US Citizen 09-09-2025 770 770     [Redacted] [Redacted] US Citizen 09-09-2025 835 835                     835 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.77 42.19 44.71 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 11.89 67.64 67.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1009.46 1009.46 0 2965 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39332 225 14 0.12540733576370805 No 0 6.990 No No
XXXXXX-277     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-12-2025   1 [Redacted] [Redacted] US Citizen 09-11-2025 714 714                                     714 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.98 33.16 33.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.67 10.67 10.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 336.49 336.49 0   HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 72505 243 7 0.7605882352941177 No 0 7.490 No No
XXXXXX-278     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-12-2025   1 [Redacted] [Redacted] US Citizen 09-05-2025 784 784                                     784 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.21 32.73 32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 80.21 80.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1368.03 3291.83 0 1828 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 75988 111 15 0.05215082315454063 No 0 6.990 No No
XXXXXX-279     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-12-2025   2 [Redacted] [Redacted] US Citizen 09-15-2025 761 761     [Redacted] [Redacted] US Citizen 09-15-2025 697 697                     761 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.02 23.08 25.77 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 40.00 84.52 84.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 3529.52 3529.52 0 2031 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10966 291 4 0.4894092093831451 No 0 7.240 No No
XXXXXX-280     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-12-2025   1 [Redacted] [Redacted] US Citizen 08-23-2025 673 673                                     673 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.64 23.48 21.27 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.03 76.91 76.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 1125.0 1125.0 0 1048 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       7.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22500 292 3 1.0038816568047337 No 0 14.990 No No
XXXXXX-281     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-12-2025   1 [Redacted] [Redacted] US Citizen 08-27-2025 687 687                                     687 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.96 55 54.42 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.07 40.84 40.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.49 11.49 184.14 184.14 0 2066 HELOC - ARM 180 180 [Redacted] 4.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       4.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 358 33 0.5573346897253306 No 0 11.490 No No
XXXXXX-282     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-12-2025   1 [Redacted] [Redacted] US Citizen 09-26-2025 707 707                                     707 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.43 47.01 45.76 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.71 79.51 79.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.49 11.49 591.48 591.48 0 2611 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       4.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12600 140 6 0.8721893491124261 No 0 11.490 No No
XXXXXX-283     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 09-26-2025 711 711                                     711 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.01 23.46 21.69 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.24 11.24 1836.0 1836.0 0   HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       4.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33900 218 6 0.876593886462882 No 0 11.240 No No
XXXXXX-284     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 09-02-2025 650 650                                     650 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18 52.06 51.2 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.50 70.50 70.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 1125.0 1125.0 0 1069 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       7.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41564 108 12 0.5927665706051873 No 0 14.990 No No
XXXXXX-285     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   2 [Redacted] [Redacted] US Citizen 10-01-2025 736 736     [Redacted] [Redacted] US Citizen 10-01-2025 725 725                     736 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.49 41.03 45.61 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.50 71.44 71.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.24 10.24 3375.0 3375.0 0 6106 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       3.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 74000 330 11 0.424168410041841 No 0 10.240 No No
XXXXXX-286     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 09-12-2025 701 701                                     701 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.72 27.72 28.34 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.80 37.19 37.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 218.72 218.72 0 812 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 138 14 0.3088697666721827 No 0 7.990 No No
XXXXXX-287     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   2 [Redacted] [Redacted] US Citizen 09-30-2025 708 708     [Redacted] [Redacted] US Citizen 09-30-2025 669 669                     708 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.22 38.14 40.17 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 25.54 83.23 83.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.24 12.24 1600.0 1600.0 0 1835 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       5.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 77620 135 24 0.3378253772801466 No 0 12.240 No No
XXXXXX-288     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 10-01-2025 740 740                                     740 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.54 52.06 52.45 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.20 46.49 46.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 416.0 416.0 0 953 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 155 14 0.20012158054711246 No 0 8.490 No No
XXXXXX-289     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 09-23-2025 645 645                                     645 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.38 40.98 42.49 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.41 73.41 73.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 585.0 585.0 0 1956 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5       7.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25767 252 5 0.888551724137931 No 0 14.990 No No
XXXXXX-290     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   2 [Redacted] [Redacted] US Citizen 10-06-2025 686 686     [Redacted] [Redacted] US Citizen 10-06-2025 773 773                     773 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 19.21 49.21 53.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.56 76.70 76.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 1537.86 1537.86 0 1898 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18500 256 7 0.8439325842696629 No 0 10.490 No No
XXXXXX-291     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   2 [Redacted] [Redacted] US Citizen 09-25-2025 819 819     [Redacted] [Redacted] US Citizen 09-23-2025 670 670                     819 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.23 51.02 49.94 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 20.67 32.93 32.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 681.81 1600.0 0 1364 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27700 223 10 0.26559534741352925 No 0 7.240 No No
XXXXXX-292     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 09-28-2025 825 825                                     825 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.72 6.65 10.14 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.51 12.51 12.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 673.75 673.75 0   HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 128324 128 17 0.010408766873957228 No 0 6.990 No No
XXXXXX-293     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 10-10-2025 767 767                                     767 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.58 53.73 51.5 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.17 72.03 72.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 514.41 1177.71 0 2208 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 247 8 0.2692535787321063 No 0 7.490 No No
XXXXXX-294     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 10-08-2025 737 737                                     737 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.41 39.61 40.72 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.08 50.26 50.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 336.49 336.49 0 1496 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18964 102 4 0.5731818181818182 No 0 7.740 No No
XXXXXX-295     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   2 [Redacted] [Redacted] US Citizen 10-03-2025 762 762     [Redacted] [Redacted] US Citizen 10-03-2025 740 740                     762 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.41 22 26.83 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 24.96 84.26 84.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1345.95 1345.95 0 1604 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25924 174 10 0.1592542372881356 No 0 6.990 No No
XXXXXX-296     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 723 723                                     723 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.39 18.21 21.8 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 32.86 32.86 55.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 2110.45 2110.45 0 1576 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30047 250 5 0.597539752544878 No 0 7.990 No No
XXXXXX-297     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-29-2025   1 [Redacted] [Redacted] US Citizen 10-03-2025 692 692                                     692 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.99 40.84 39.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.00 67.94 67.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.49 11.49 800.0 800.0 0 1886 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       4.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29000 121 15 0.4085547201336675 No 0 11.490 No No
XXXXXX-298     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-29-2025   1 [Redacted] [Redacted] US Citizen 10-14-2025 749 749                                     749 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.43 38.59 37.01 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.15 66.00 66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 1261.83 1261.83 0 2044 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27000 317 7 0.4326148409893993 No 0 8.240 No No
XXXXXX-299     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 10-09-2025 778 778                                     778 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.15 54.21 50.57 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.74 60.72 60.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 914.34 2250.0 0 3440 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50390 176 16 0.18435409836065575 No 0 10.490 No No
XXXXXX-300     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 10-21-2025 783 783                                     783 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.94 37.48 41.08 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.04 14.04 14.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 383.6 383.6 0   HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15852 268 4 0.2571176470588235 No 0 6.990 No No
XXXXXX-301     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 10-21-2025   2 [Redacted] [Redacted] US Citizen 10-16-2025 763 763     [Redacted] [Redacted] US Citizen 10-04-2025 834 834                     834 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.65 32.97 34.54 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 2.43 7.14 7.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 538.38 538.38 0 2369 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28500 228 2 0.43341747572815537 No 0 6.990 No No
XXXXXX-302     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 10-19-2025 737 737                                     737 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.39 34.24 38.98 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.54 63.35 63.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 1682.44 1682.44 0 2447 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28151 265 2 0.9788181818181818 No 0 8.490 No No
XXXXXX-303     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 10-21-2025   2 [Redacted] [Redacted] US Citizen 10-17-2025 785 785     [Redacted] [Redacted] US Citizen 10-17-2025 803 803                     803 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.61 22.81 23.06 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript Work Number 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 40.00 62.30 62.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 1516.67 3559.55 0 2158 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 63714 229 10 0.38231330224874194 No 0 7.240 No No
XXXXXX-304     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 10-26-2025 717 717                                     717 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.8 24.66 28.86 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.27 35.50 35.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 841.22 841.22 0 1085 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7943 134 3 0.7364705882352941 No 0 8.240 No No
XXXXXX-305     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 10-11-2025 744 744                                     744 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.12 28.23 24.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.42 19.84 19.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 507.67 507.67 0 531.1 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22062 51 2 0 No 0 7.240 No No
XXXXXX-306     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 10-20-2025 728 728                                     728 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.51 26.17 26.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.45 41.04 41.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 84.12 84.12 0 1043 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12708 105 1 0 No 0 7.740 No No
XXXXXX-307     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 786 786                                     786 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.54 34.82 32.17 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.16 47.05 47.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.24 9.24 129.82 283.91 0 863 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       2.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5081 126 3 0.06428571428571428 No 0 9.240 No No
XXXXXX-308     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 10-27-2025 683 683                                     683 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.45 55 50.95 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.06 64.99 64.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 741.96 741.96 0 1245 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       7.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9773 172 9 0.7521726365237815 No 0 14.990 No No
XXXXXX-309     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 11-01-2025 827 827                                     827 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.32 55 50.94 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.17 49.59 49.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 713.74 713.34 0 691 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 85249 226 34 0.10755335365853659 No 0 8.240 No No
XXXXXX-310     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 10-21-2025   1 [Redacted] [Redacted] US Citizen 10-29-2025 665 665                                     665 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.46 35.43 30.73 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.84 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 687.54 687.54 0 1771 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       7.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33000 287 11 0.5679724760621837 No 0 14.990 No No
XXXXXX-311     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-05-2025   2 [Redacted] [Redacted] US Citizen 11-05-2025 737 737     [Redacted] [Redacted] US Citizen 11-05-2025 663 663                     737 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.7 54.07 51.19 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 38.03 58.26 58.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 1658.1 1658.1 0 711 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47246 358 17 0.5266146812633026 No 0 9.990 No No
XXXXXX-312     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-05-2025   1 [Redacted] [Redacted] US Citizen 10-23-2025 713 713                                     713 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.08 54.99 55 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.33 42.06 42.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.74 12.74 365.01 365.01 0 2913.07 HELOC - ARM 180 180 [Redacted] 5.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       5.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6500 56 1 0.29015384615384615 No 0 12.740 No No
XXXXXX-313     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-05-2025   1 [Redacted] [Redacted] US Citizen 11-08-2025 671 671                                     671 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.67 44.62 44 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 33.30 35.42 35.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.24 11.24 800.0 800.0 0 575 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       4.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16500 122 9 0.9646019629225736 No 0 11.240 No No
XXXXXX-314     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   2 [Redacted] [Redacted] US Citizen 10-15-2025 786 786     [Redacted] [Redacted] US Citizen 10-15-2025 730 730                     786 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.91 26.66 32.43 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 21.03 21.03 67.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 811.01 811.01 0 1250.41 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35857 182 19 0.08149152769405935 No 0 8.490 No No
XXXXXX-315     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 10-31-2025 840 840     [Redacted] [Redacted] US Citizen   850 850                     850 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.97 42.7 45.44 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 3.32 28.58 28.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 841.22 841.22 0 2814 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17100 231 5 0.02779750164365549 No 0 6.990 No No
XXXXXX-316     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 11-08-2025 768 768                                     768 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.47 52.72 49.65 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.79 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 303.73 303.73 0 2859 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 145 6 0.32708474576271185 No 0 8.240 No No
XXXXXX-317     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 11-20-2025 739 739                                     739 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.72 48.02 49.42 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.90 59.01 59.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 421.63 421.63 0 1345 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19361 120 12 0.23321100917431192 No 0 7.990 No No
XXXXXX-318     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   2 [Redacted] [Redacted] US Citizen 10-25-2025 822 822     [Redacted] [Redacted] US Citizen 10-25-2025 820 820                     822 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.34 48.19 52.22 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 4.48 54.74 54.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 709.78 709.78 0 3796 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44800 415 11 0.07582403976262703 No 0 7.990 No No
XXXXXX-319     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 11-07-2025 709 709                                     709 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.83 40.06 44.72 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.62 78.14 78.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 1600.0 1600.0 0 2014 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 52668 250 10 0.3398457087753134 No 0 7.990 No No
XXXXXX-320     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 689 689                                     689 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16 54.32 53.26 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.17 71.14 71.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.24 11.24 800.0 800.0 0 1161 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       4.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23000 73 4 0.8019433198380567 No 0 11.240 No No
XXXXXX-321     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   2 [Redacted] [Redacted] US Citizen 11-26-2025 639 639     [Redacted] [Redacted] US Citizen 11-26-2025 665 665                     665 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.17 40.28 41.91 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 12.21 70.25 70.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   13.74 13.74 302.88 585.0 0 864 HELOC - ARM 360 360 [Redacted] 6.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       6.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31419 129 9 0.5673775995748895 No 0 13.740 No No
XXXXXX-322     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 11-29-2025 721 721                                     721 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.18 47.26 51.79 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.62 84.29 84.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.99 8.99 202.17 202.17 0 1483.64 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       2.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32695 123 9 0.3128254847645429 No 0 8.990 No No
XXXXXX-323     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-16-2025   1 [Redacted] [Redacted] US Citizen 11-10-2025 818 818                                     818 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.18 50.26 49.65 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.84 81.18 81.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 1015.34 1015.34 0 2117 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21000 162 14 0.08596534653465346 No 0 7.990 No No
XXXXXX-324     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 11-02-2025 640 640                                     640 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.01 53.09 54.56 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.45 39.94 39.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 420.61 420.61 0 1025 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       8.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22789 166 15 0.8354212392368732 No 0 14.990 No No
XXXXXX-325     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 11-24-2025 695 695                                     695 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.56 31.57 29.61 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.10 6.10 74.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 588.85 588.85 0 3045 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       3.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31368 238 13 0.2531742243436754 No 0 9.990 No No
XXXXXX-326     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   1 [Redacted] [Redacted] US Citizen 12-03-2025 754 754                                     754 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 15.87 33.68 29.91 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.17 7.17 7.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 420.61 420.61 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15140 189 3 0.35867224880382775 No 0 6.990 No No
XXXXXX-327     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 11-30-2025 807 807                                     807 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.06 52.31 53.75 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.77 2.77 2.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 214.45 214.45 0   HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20500 113 5 0.05811940298507463 No 0 7.490 No No
XXXXXX-328     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 12-06-2025 713 713                                     713 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 21.75 53.01 54.08 [Redacted] Unknown Manual Verification Tax Return/Transcript   4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 29.15 50.24 50.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.99 7.99 1600.0 1600.0 0 445 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 90000 416 5 0.8111627906976744 No 0 7.990 No No
XXXXXX-329     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-16-2025   2 [Redacted] [Redacted] US Citizen 12-06-2025 767 767     [Redacted] [Redacted] US Citizen 12-06-2025 821 821                     821 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.53 38.42 34.6 [Redacted] Employed Work Number Work Number Work Number 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 18.30 57.10 57.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 1682.44 1682.44 0 1581 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27889 116 4 0.16803716608594657 No 0 8.490 No No
XXXXXX-330     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 12-10-2025 786 786                                     786 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.56 43.45 42.85 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.31 46.64 46.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 423.06 423.06 0 1306 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18000 174 5 0.15152808988764044 No 0 7.240 No No
XXXXXX-331     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   2 [Redacted] [Redacted] US Citizen 11-24-2025 695 695     [Redacted] [Redacted] US Citizen 11-28-2025 711 711                     711 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.49 46.29 46.3 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 4.45 54.26 54.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.49 8.49 260.59 260.59 0 1226 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 179 21 0.7644287158746208 No 0 8.490 No No
XXXXXX-332     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 12-28-2025 699 699                                     699 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.75 42.55 41.01 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.16 80.24 80.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.74 12.74 1125.0 1125.0 0 3830 HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       5.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42192 108 21 0.24806631446834593 No 0 12.740 No No
XXXXXX-333     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   2 [Redacted] [Redacted] US Citizen 12-30-2025 848 848     [Redacted] [Redacted] US Citizen 12-30-2025 826 826                     848 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.82 35.7 38.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 40.00 76.81 76.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 1779.38 1779.38 0 1191 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       1.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 108037 280 9 0.08193623825859359 No 0 8.240 No No
XXXXXX-334     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   2 [Redacted] [Redacted] US Citizen 01-03-2026 806 806     [Redacted] [Redacted] US Citizen 01-03-2026 806 806                     806 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.08 40.57 39.36 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.54 49.78 49.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 1177.71 1177.71 0 2276 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 4 34400 137 5 0.07621645696470326 No 0 6.990 No No
XXXXXX-335     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 12-26-2025 640 640                                     640 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.33 33.02 30.23 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.24 10.24 10.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   13.24 13.24 800.0 800.0 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       6.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 50881 141 12 0.5595689655172413 No 0 13.240 No No
XXXXXX-336     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   2 [Redacted] [Redacted] US Citizen 01-13-2026 722 722     [Redacted] [Redacted] US Citizen 01-13-2026 700 700                     722 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.65 21.18 23.67 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 7.70 71.01 71.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.24 9.24 473.19 473.19 0 1245 HELOC - ARM 0 180 [Redacted] 2.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.74   18 [Redacted]     Monthly Yes 180 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19800 116 7 0.43884615384615383 No 0 9.240 No No
XXXXXX-337     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   2 [Redacted] [Redacted] US Citizen 01-13-2026 742 742     [Redacted] [Redacted] US Citizen 01-13-2026 834 834                     834 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.34 38.12 41.89 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.05 72.19 72.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 1182.97 1182.97 0 1334 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       1.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28977 349 6 0.28332863187588153 No 0 8.240 No No
XXXXXX-338     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   2 [Redacted] [Redacted] US Citizen 01-18-2026 707 707     [Redacted] [Redacted] US Citizen 01-18-2026 706 706                     707 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.06 44.51 48.27 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 5.55 86.17 86.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 709.78 709.78 0 3291 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       3.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24900 164 16 0.20440584315920624 No 0 10.490 No No
XXXXXX-339     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   1 [Redacted] [Redacted] US Citizen 01-02-2026 796 796                                     796 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.67 31.86 32.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.13 76.64 76.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 336.49 336.49 0 2472 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49000 70 7 0.25838340486409156 No 0 7.490 No No
XXXXXX-340     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   2 [Redacted] [Redacted] US Citizen 12-28-2025 834 834     [Redacted] [Redacted] US Citizen 12-28-2025 765 765                     834 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.65 24.78 25.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 5.31 53.15 53.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 760.3 760.3 0 3262 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22494 79 4 0.14424324324324325 No 0 6.990 No No
XXXXXX-341     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 01-16-2026 734 734                                     734 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.23 49.82 45.06 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.84 73.27 73.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.99 11.99 615.14 615.14 0 1662 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       5.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail PUD 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27837 237 5 0.5746666666666667 No 0 11.990 No No
XXXXXX-342     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 01-20-2026 764 764                                     764 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.43 40.68 41.3 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.13 70.75 70.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 1892.74 1892.74 0 3587 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 53053 197 13 0.2150309039719607 No 0 7.240 No No
XXXXXX-343     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   1 [Redacted] [Redacted] US Citizen 01-15-2026 785 785                                     785 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.21 32.93 33.16 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.81 33.95 33.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 165.62 165.62 0 559 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       3.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12123 103 4 0.04008620689655172 No 0 10.490 No No
XXXXXX-344     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   2 [Redacted] [Redacted] US Citizen 01-25-2026 690 690     [Redacted] [Redacted] US Citizen 01-25-2026 668 668                     690 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.99 50.37 46.22 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 5.03 87.70 87.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 710.58 710.58 0 3806 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.5       8.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36436 131 7 0.5828336755646817 No 0 14.990 No No
XXXXXX-345     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   2 [Redacted] [Redacted] US Citizen 01-23-2026 736 736     [Redacted] [Redacted] US Citizen 01-23-2026 740 740                     740 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.9 30.77 32.49 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 9.72 81.27 81.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.24 8.24 1182.97 1182.97 0 3189 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       1.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20743 223 7 0.3706546275395034 No 0 8.240 No No
XXXXXX-346     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 01-07-2026 693 693                                     693 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 23.3 21.18 24.29 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.96 7.96 7.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.99 8.99 416.0 416.0 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4759 190 5 0.352 No 0 8.990 No No
XXXXXX-347     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-16-2025   1 [Redacted] [Redacted] US Citizen 01-21-2026 704 704                                     704 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.76 25.13 27.15 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.86 69.75 69.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.49 9.49 1186.08 1186.08 0 1196 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16414 230 10 0.5837765363128492 No 0 9.490 No No
XXXXXX-348     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 775 775                                     775 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.6 52.32 48.21 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.71 83.60 83.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.49 10.49 1600.0 1600.0 0 7854 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       3.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 55724 274 11 0.2918669131238447 No 0 10.490 No No
XXXXXX-349     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   1 [Redacted] [Redacted] US Citizen 01-25-2026 726 726                                     726 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.99 47.63 43.28 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 6.01 6.01 6.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.99 9.99 336.49 336.49 0   HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       3.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14000 46 6 0.30341981132075474 No 0 9.990 No No
XXXXXX-350     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   1 [Redacted] [Redacted] US Citizen 01-31-2026 686 686                                     686 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.74 31.69 29.43 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.60 62.17 62.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 946.37 946.37 0 2609 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.5       8.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28327 145 17 0.6647239908286213 No 0 14.990 No No
XXXXXX-351     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-16-2025   1 [Redacted] [Redacted] US Citizen 02-02-2026 766 766                                     766 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.84 25.36 27.88 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.45 70.72 70.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.49 7.49 588.85 588.85 0 1515 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29600 297 7 0.22721286370597243 No 0 7.490 No No
XXXXXX-352     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   2 [Redacted] [Redacted] US Citizen 02-04-2026 645 645     [Redacted] [Redacted] US Citizen 02-04-2026 697 697                     697 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.8 39.76 38.2 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 5.60 59.11 59.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 1125.0 1125.0 0 3154 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.5       8.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17700 179 14 0.6488484165727876 No 0 14.990 No No
XXXXXX-353     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   1 [Redacted] [Redacted] US Citizen 02-07-2026 701 701                                     701 [Redacted] [Redacted] ND [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.52 50.08 51.84 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.78 40.44 40.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.74 14.74 1419.56 1419.56 0 667 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       8.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30304 335 9 0.6176987951807229 No 0 14.740 No No
XXXXXX-354     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   2 [Redacted] [Redacted] US Citizen 02-01-2026 652 652     [Redacted] [Redacted] US Citizen 02-01-2026 636 636                     652 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.98 50.7 47.59 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 18.94 20.20 20.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.99 14.99 800.0 800.0 0 67 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.5       8.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23802 201 24 0.7027553661135637 No 0 14.990 No No
XXXXXX-355     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   2 [Redacted] [Redacted] US Citizen 02-10-2026 761 761     [Redacted] [Redacted] US Citizen 02-10-2026 713 713                     761 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.04 9.26 12 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 6.26 32.61 32.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.74 6.74 593.04 593.04 0 899 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7140 237 3 0.5960179640718563 No 0 6.740 No No
XXXXXX-356     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   2 [Redacted] [Redacted] US Citizen 02-02-2026 829 829     [Redacted] [Redacted] US Citizen 02-02-2026 809 809                     829 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.38 18.13 21.23 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 6.81 46.87 46.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   5.99 5.99 656.41 656.41 0 1792 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 195 19 0.006541169421281271 No 0 5.990 No No
XXXXXX-357     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   1 [Redacted] [Redacted] US Citizen 02-11-2026 647 647                                     647 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.83 54.99 54.79 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.45 64.34 64.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.49 14.49 581.04 581.04 0 1324 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.5       7.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 80 12 0.941429731925264 No 0 14.490 No No
XXXXXX-358     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   1 [Redacted] [Redacted] US Citizen 02-13-2026 838 838                                     838 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.73 23.93 26.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.71 72.49 72.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   5.99 5.99 837.7 837.7 0 3696 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21900 160 5 0.09013196480938417 No 0 5.990 No No
XXXXXX-359     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-16-2025   2 [Redacted] [Redacted] US Citizen 02-23-2026 746 746     [Redacted] [Redacted] US Citizen 02-23-2026 774 774                     774 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 19.9 40.52 40.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Missing     1 - Not Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 16.50 27.52 27.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.49 9.49 3364.88 3364.88 0 1476 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 140922 411 3 0.983968840175274 No 0 9.490 No No
XXXXXX-360     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   2 [Redacted] [Redacted] US Citizen 03-03-2026 678 678     [Redacted] [Redacted] US Citizen 03-03-2026 735 735                     735 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.73 50.15 53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.65 74.24 74.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.74 10.74 1903.75 1903.75 0 2335 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       4.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17500 311 6 0.745934065934066 No 0 10.740 No No
XXXXXX-361     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 03-09-2026 733 733                                     733 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.18 46.2 47.75 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.14 88.32 88.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   11.49 11.49 354.96 354.96 0 2386 HELOC - ARM 180 180 [Redacted] 4.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       4.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13402 58 6 0.23146198830409356 No 0 11.490 No No
XXXXXX-362     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 03-12-2026 712 712                                     712 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.96 50.88 52.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.80 51.78 51.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   9.24 9.24 768.0 768.0 0 1853 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21800 143 10 0.6805018650389962 No 0 9.240 No No
XXXXXX-363     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   2 [Redacted] [Redacted] US Citizen 03-16-2026 697 697     [Redacted] [Redacted] US Citizen 03-16-2026 846 846                     846 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.3 30.77 33.39 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 13.30 68.87 68.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   5.99 5.99 2944.27 2944.27 0 3353 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42000 438 10 0.5250129778789959 No 0 5.990 No No
XXXXXX-364     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 03-20-2026 683 683                                     683 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.31 35.43 34.26 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.77 56.91 56.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   14.49 14.49 504.73 504.73 0 1257 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.5       7.99   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30067 100 23 0.31032101167315174 No 0 14.490 No No
XXXXXX-365     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 03-12-2026 809 809                                     809 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.18 48.14 49.39 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.96 58.14 58.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.74 7.74 168.24 168.24 0 1399 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       1.24   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14000 508 3 0.02203045685279188 No 0 7.740 No No
XXXXXX-366     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   2 [Redacted] [Redacted] US Citizen 03-06-2026 720 720     [Redacted] [Redacted] US Citizen 03-06-2026 695 695                     695 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14 38.69 43.37 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 12.20 47.14 47.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   7.24 7.24 2400.0 2400.0 0 2628 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12169 260 4 0.8364331210191083 No 0 7.240 No No
XXXXXX-367     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 03-26-2026 776 776                                     776 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.92 52.78 53.82 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.38 72.81 72.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.49 6.49 212.3 212.3 0 1400 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26168 256 16 0.08225743844193543 No 0 6.490 No No
XXXXXX-368     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 03-20-2026 643 643                                     643 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 20.16 20.27 20.16 [Redacted] Employed Manual Verification Retirement Income Doc Verified N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.84 12.84 12.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   12.99 12.99 594.92 594.92 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.5       6.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10900 100 6 0.9619291338582677 No 0 12.990 No No
XXXXXX-369     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   1 [Redacted] [Redacted] US Citizen 02-27-2026 698 698                                     698 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.35 44.03 48.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 21.92 21.92 21.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   10.24 10.24 800.0 800.0 0   HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       3.74   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 136 8 0.40043835616438356 No 0 10.240 No No
XXXXXX-370     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 03-25-2026 694 694                                     694 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.49 26.72 27.62 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.33 9.33 9.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   8.99 8.99 800.0 800.0 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       2.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46800 123 12 0.2518190476190476 No 0 8.990 No No
XXXXXX-371     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 02-25-2026   2 [Redacted] [Redacted] US Citizen 02-21-2026 730 730     [Redacted] [Redacted] US Citizen 02-21-2026 756 756                     756 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.99 51.33 51.07 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 31.62 31.62 31.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.24 6.24 1600.0 1600.0 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29118 130 12 0.385171568627451 No 0 6.240 No No
XXXXXX-372     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 02-25-2026   1 [Redacted] [Redacted] US Citizen 03-31-2026 835 835                                     835 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3 30.82 32.54 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.33 37.06 37.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM   6.99 6.99 420.61 420.61 0 3534 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 6.75       0.49   18 [Redacted]     Monthly No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20330 291 7 0 No 0 6.990 No No
XXXXXX-373     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-11-2025 837 837                                     837 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.49 45.61 49.26 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.10 60.07 60.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.74 7.74 3372.25 1467.23 0 3989 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 4 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 56200 245 7 0.09475172413793104 No 0 7.7400 No No
XXXXXX-374     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-13-2025 689 689                                     689 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.82 31.31 32.3 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.98 71.49 71.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.24 10.24 926.67 447.68 0 2009 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49000 361 11 0.7629135018887985 No 0 10.2400 No No
XXXXXX-375     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-14-2025 798 798                                     798 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.08 18.33 22.74 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 30.00 30.00 30 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.99 7.99 886.19 389.98 0   HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29446 129 22 0.030070546737213405 No 0 7.9900 No No
XXXXXX-376     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 05-14-2025 735 735     [Redacted] [Redacted] US Citizen 05-14-2025 754 754                     754 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.86 29.61 30.15 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 6.45 77.96 77.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 429.22 184.6 0 2437 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6700 280 5 0.509811320754717 No 0 7.4900 No No
XXXXXX-377     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-15-2025 681 681                                     681 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.03 32.08 29.22 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.95 64.62 64.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 937.08 457.0 0 2386 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35388 273 15 0.9365273054610922 No 0 10.4900 No No
XXXXXX-378     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 05-20-2025 685 685     [Redacted] [Redacted] US Citizen 05-20-2025 655 655                     685 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.9 34.94 34.59 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 25.54 66.51 66.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.74 9.74 905.83 429.21 0 673 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 12000 291 31 0.3100024682216463 No 0 9.7400 No No
XXXXXX-379     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-20-2025 767 767                                     767 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.26 43.25 46.6 [Redacted] Employed Manual Verification Paystub/W2 Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.50 56.45 56.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 1624.17 698.53 0 2837 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 62053 277 8 0.4930478008717265 No 0 7.4900 No No
XXXXXX-380     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 05-21-2025 761 761     [Redacted] [Redacted] US Citizen 05-21-2025 780 780                     780 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.03 35.89 39.78 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.94 51.11 51.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.49 8.49 1346.61 605.84 0 2078 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateFirstBusDay 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 11749 119 16 0.026398280417357037 No 0 8.4900 No No
XXXXXX-381     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 05-24-2025 838 838     [Redacted] [Redacted] US Citizen 05-24-2025 806 806                     838 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.28 23.67 27.17 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 10.29 76.70 76.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.74 8.74 1176.35 534.96 0 3104 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 92017 257 9 0.07388257562577853 No 0 8.7400 No No
XXXXXX-382     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-27-2025 742 742                                     742 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.85 38.03 54.94 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.18 59.09 59.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 865.64 799.74 0 1143 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28180 385 11 0.2897204866820125 No 0 10.4900 No No
XXXXXX-383     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-27-2025 680 680                                     680 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.56 21.82 26.49 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.37 21.57 21.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 14.24 14.24 568.53 313.01 0 320 HELOC - ARM 360 360 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 1500 134 6 0.11888888888888889 No 0 14.2400 No No
XXXXXX-384     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-27-2025 685 685                                     685 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 17.07 49.51 47.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.40 48.20 48.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 11.49 11.49 685.13 346.33 0 975 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5257 264 3 0.2088 No 0 11.4900 No No
XXXXXX-385     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 05-27-2025 746 746     [Redacted] [Redacted] US Citizen 05-27-2025 787 787                     787 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.66 15.94 17.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 27.70 80.57 80.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 805.89 393.02 0 630 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 84731 158 14 0 No 0 10.4900 No No
XXXXXX-386     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-28-2025 757 757                                     757 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.65 34.5 35.65 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.75 72.09 72.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 740.3 361.03 0 1993 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27417 132 14 0.2399691933119674 No 0 10.4900 No No
XXXXXX-387     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 05-28-2025 731 731     [Redacted] [Redacted] US Citizen 05-28-2025 704 704                     731 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.51 38.48 40.7 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.01 65.16 65.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.24 10.24 556.0 268.61 0 2729 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11878 321 1 0.3658985721319547 No 0 10.2400 No No
XXXXXX-388     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-29-2025 698 698                                     698 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.48 43.65 48.37 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.33 77.28 77.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 14.99 14.99 1113.34 625.5 0 1832 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40887 117 15 0.2345264259549974 No 0 14.9900 No No
XXXXXX-389     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-02-2025 693 693                                     693 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.62 49.92 46.23 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.82 43.33 43.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 937.08 457.0 0 1326 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38757 226 33 0.15188915911832856 No 0 10.4900 No No
XXXXXX-390     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-03-2025 716 716                                     716 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.93 37.11 33.07 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.97 59.41 59.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 11.74 11.74 1978.33 1008.64 0 3559 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 66900 379 14 0.8691063449508489 No 0 11.7400 No No
XXXXXX-391     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-04-2025 850 850                                     850 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.34 48.19 49.96 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.66 15.68 15.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.74 7.74 430.63 187.36 0 1490 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 582 10 0.014992125984251968 No 0 7.7400 No No
XXXXXX-392     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-05-2025 696 696                                     696 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.45 37.07 41.14 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.04 66.57 66.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 937.08 457.0 0 1787 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8517 365 15 0.7461115241635687 No 0 10.4900 No No
XXXXXX-393     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-08-2025 701 701                                     701 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.6 11.85 14.81 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.41 76.40 76.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 14.24 14.24 546.67 336.98 0 2015 HELOC - ARM 180 180 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38383 254 23 0.3880539499036609 No 0 14.2400 No No
XXXXXX-394     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-09-2025 705 705                                     705 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.16 47.28 49.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.49 71.80 71.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.24 8.24 532.07 236.77 0 2831 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29669 121 11 0.30524064171122994 No 0 8.2400 No No
XXXXXX-395     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-10-2025 693 693                                     693 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.53 30.1 31.67 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 23.33 23.33 23.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.49 9.49 895.42 420.06 0   HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9547 214 4 0.6714876033057852 No 0 9.4900 No No
XXXXXX-396     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-10-2025 713 713     [Redacted] [Redacted] US Citizen 06-10-2025 752 752                     752 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.03 36.26 33.44 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.01 43.95 43.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.49 8.49 897.74 403.89 0 2440 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31300 375 11 0.371411806488473 No 0 8.4900 No No
XXXXXX-397     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-11-2025 774 774                                     774 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.08 40.06 38.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.85 26.03 26.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.99 9.99 485.61 232.36 0 446 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 33537 161 5 0.21726218097447797 No 0 9.9900 No No
XXXXXX-398     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-03-2025 793 793     [Redacted] [Redacted] US Citizen 06-03-2025 811 811                     811 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.08 27.56 36.89 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 17.24 65.73 65.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 1624.17 698.53 0 2323 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38135 222 8 0.15847648902821318 No 0 7.4900 No No
XXXXXX-399     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-12-2025 750 750                                     750 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.69 38.31 42.7 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.83 51.11 51.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 1484.29 723.86 0 2145 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33400 274 6 0.35624678663239073 No 0 10.4900 No No
XXXXXX-400     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-13-2025 807 807                                     807 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.23 48.63 49.31 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.17 71.91 71.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.74 7.74 904.75 393.65 0 1871 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 31100 241 15 0.05590111234653479 No 0 7.7400 No No
XXXXXX-401     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-13-2025 759 759                                     759 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.79 42.65 40.11 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.02 80.42 80.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 843.38 411.3 0 1911 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 63207 212 22 0.30451381750903056 No 0 10.4900 No No
XXXXXX-402     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-15-2025 727 727     [Redacted] [Redacted] US Citizen 06-15-2025 747 747                     747 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.71 34.23 37.55 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 12.36 78.19 78.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 12.74 12.74 542.96 542.96 0 1638 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28839 189 19 0.2758698214784838 No 0 12.7400 No No
XXXXXX-403     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-16-2025 680 680                                     680 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11 39.6 44.08 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.16 57.48 57.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 15.49 15.49 595.62 338.97 0 692 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17620 211 7 0.31381974248927036 No 0 15.4900 No No
XXXXXX-404     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-16-2025 833 833                                     833 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.43 39.43 43.87 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.71 65.95 65.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 1136.92 488.97 0 2602 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51647 203 6 0.09100137174211248 No 0 7.4900 No No
XXXXXX-405     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-16-2025 826 826     [Redacted] [Redacted] US Citizen 06-16-2025 718 718                     826 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.93 25.17 29.71 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.87 25.86 25.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 730.88 314.34 0 846 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 209 5 0.010729166666666666 No 0 7.4900 No No
XXXXXX-406     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-18-2025 731 731                                     731 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.55 32.42 38.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.82 77.68 77.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 1143.24 557.53 0 1527 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38427 266 5 0.25691176470588234 No 0 10.4900 No No
XXXXXX-407     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-19-2025 672 672     [Redacted] [Redacted] US Citizen 06-19-2025 704 704                     704 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.98 44.6 48.51 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 19.02 73.57 73.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.74 10.74 797.06 392.32 0 1345 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12400 177 13 0.4185060921772912 No 0 10.7400 No No
XXXXXX-408     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-20-2025 839 839                                     839 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.63 23.36 26.99 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.09 59.15 59.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 1299.33 558.82 0 1392 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40900 312 7 0.07242038216560509 No 0 7.4900 No No
XXXXXX-409     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-20-2025 762 762                                     762 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.03 27.44 32.7 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.07 66.39 66.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.99 8.99 787.13 361.76 0 2020 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 142 4 0.6944235294117647 No 0 8.9900 No No
XXXXXX-410     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-20-2025 672 672     [Redacted] [Redacted] US Citizen 06-20-2025 704 704                     704 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.54 21.46 21.46 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 31.42 66.02 66.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.99 7.99 1665.83 733.07 0 982.05 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20012 282 21 0.4797689497975479 No 0 7.9900 No No
XXXXXX-411     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-22-2025 713 713                                     713 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.25 37.67 33.97 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.78 7.78 7.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 11.49 11.49 989.53 989.53 0   HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50903 338 20 0.13116125161360703 No 0 11.4900 No No
XXXXXX-412     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-23-2025 666 666     [Redacted] [Redacted] US Citizen 06-23-2025 700 700                     700 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.95 40.88 37.86 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 4.46 4.46 4.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 11.99 11.99 519.78 267.24 0   HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29633 151 13 0.5365735723218007 No 0 11.9900 No No
XXXXXX-413     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-24-2025 719 719     [Redacted] [Redacted] US Citizen 06-24-2025 698 698                     719 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.89 36.18 41.3 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 20.14 76.50 76.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.99 7.99 1050.99 462.5 0 1294 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10337 270 7 0.63 No 0 7.9900 No No
XXXXXX-414     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-26-2025 678 678     [Redacted] [Redacted] US Citizen 06-26-2025 710 710                     710 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.48 44.84 49.46 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.80 61.29 61.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 12.49 12.49 2040.83 1066.48 0 2769 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18200 146 3 0.9898292220113852 No 0 12.4900 No No
XXXXXX-415     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-26-2025 684 684                                     684 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.91 29.39 29.08 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.13 78.83 78.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.99 9.99 476.75 227.98 0 5160 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33200 33 10 0.27798605731990705 No 0 9.9900 No No
XXXXXX-416     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-27-2025 785 785                                     785 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 20.03 49.98 48.27 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 25.74 62.49 62.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.99 9.99 1845.73 1845.73 0 2324 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31800 226 6 0.10110588235294117 No 0 9.9900 No No
XXXXXX-417     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-29-2025 717 717                                     717 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.21 43.45 46.32 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.76 69.57 69.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.49 8.49 529.33 238.14 0 1382 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10900 224 5 0.8308527131782946 No 0 8.4900 No No
XXXXXX-418     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 06-29-2025 697 697     [Redacted] [Redacted] US Citizen 06-29-2025 759 759                     759 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.62 18.76 22.18 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 14.71 37.40 37.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.49 10.49 502.7 502.7 0 1480 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27000 351 4 0.2852751322751323 No 0 10.4900 No No
XXXXXX-419     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-30-2025 680 680                                     680 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.94 47.06 49.19 [Redacted] Retired Manual Verification Retirement Income Doc Verified IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.44 48.79 48.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 15.49 15.49 1145.42 651.86 0 780 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23672 155 21 0.7914887218045112 No 0 15.4900 No No
XXXXXX-420     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-01-2025 809 809                                     809 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 18.95 33.97 33.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.84 30.85 30.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 568.46 244.49 0 374.64 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33100 140 7 0.026152046783625732 No 0 7.4900 No No
XXXXXX-421     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-02-2025 724 724                                     724 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 17.86 52.16 49.28 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 77.54 77.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 11.74 11.74 1487.25 758.27 0 854 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40287 85 15 0.31471947194719474 No 0 11.7400 No No
XXXXXX-422     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-02-2025 713 713                                     713 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.34 50.75 48.09 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 26.22 66.57 66.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 12.49 12.49 918.38 479.92 0 619 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26334 139 17 0.27288956127080183 No 0 12.4900 No No
XXXXXX-423     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-03-2025 686 686                                     686 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.99 45.78 48.67 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.02 79.17 79.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.99 10.99 805.82 400.24 0 2015 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17166 137 13 0.3603218390804598 No 0 10.9900 No No
XXXXXX-424     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-04-2025 836 836                                     836 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.62 31.97 35.39 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.33 66.02 66.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 1624.17 698.53 0 2272 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 57833 301 14 0.03563975155279503 No 0 7.4900 No No
XXXXXX-425     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-05-2025 701 701                                     701 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.09 34.58 31.74 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.68 19.68 19.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.74 9.74 1714.51 812.39 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30682 473 16 0.49509311421292473 No 0 9.7400 No No
XXXXXX-426     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-06-2025 779 779                                     779 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.1 37.85 36.08 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 24.80 66.90 66.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.49 8.49 1009.73 1009.73 0 1398 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38673 142 6 0 No 0 8.4900 No No
XXXXXX-427     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 07-06-2025 801 801     [Redacted] [Redacted] US Citizen 07-06-2025 763 763                     801 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.81 37.5 43.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 19.95 71.17 71.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.49 8.49 2167.11 974.98 0 1686 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 53189 190 3 0.331426673022201 No 0 8.4900 No No
XXXXXX-428     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 07-07-2025 710 710     [Redacted] [Redacted] US Citizen 07-07-2025 667 667                     710 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.88 48.02 47.46 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.16 66.77 66.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.99 8.99 554.12 254.67 0 1249 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31384 118 10 0.2735691318327974 No 0 8.9900 No No
XXXXXX-429     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-07-2025 712 712                                     712 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.92 24.87 28.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.50 60.63 60.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 14.49 14.49 513.98 513.98 0 909 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25419 259 14 0.15593788063337394 No 0 14.4900 No No
XXXXXX-430     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 07-08-2025 735 735     [Redacted] [Redacted] US Citizen 07-08-2025 677 677                     735 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.14 33.02 36.51 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 7.19 45.59 45.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.74 9.74 952.5 451.33 0 2470 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21000 361 5 0.8002480070859167 No 0 9.7400 No No
XXXXXX-431     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-08-2025 715 715                                     715 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.76 42.98 43.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.95 58.22 58.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.49 8.49 939.13 422.51 0 2966 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   3 [Redacted] Existing 1st and 2nd ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50882 265 12 0.4451957676625726 No 0 8.4900 No No
XXXXXX-432     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-09-2025 850 850                                     850 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10 31.15 28.74 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.28 56.71 56.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 1746.32 1746.32 0 3166 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45400 346 7 0.03467075446547587 No 0 7.4900 No No
XXXXXX-433     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-09-2025 723 723                                     723 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.97 39.03 42.77 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 25.39 76.06 76.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 1195.5 514.17 0 1213 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 109036 228 21 0.015775 No 0 7.4900 No No
XXXXXX-434     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-09-2025 781 781                                     781 [Redacted] [Redacted] FL [Redacted] [Redacted] Investment Refinance Cash Out - Other 6.47 26.46 26.46 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.06 46.70 46.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.24 10.24 686.05 331.44 0 1039 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 115 2 0.2465 No 0 10.2400 No No
XXXXXX-435     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-09-2025 723 723                                     723 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7 26.05 26.05 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.70 55.76 55.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.49 7.49 515.33 221.64 0 533.2 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38972 206 4 0.206 No 0 7.4900 No No
XXXXXX-436     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-10-2025 724 724                                     724 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.45 38.87 40.44 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.31 80.34 80.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.24 8.24 445.97 198.46 0 2541 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43517 102 14 0.355557108172783 No 0 8.2400 No No
XXXXXX-437     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-12-2025 707 707                                     707 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.76 23.66 23.66 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.98 65.39 65.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.99 7.99 788.25 346.88 0 285.84 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26342 215 8 0.29565965583174 No 0 7.9900 No No
XXXXXX-438     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 07-12-2025 702 702     [Redacted] [Redacted] US Citizen 07-12-2025 687 687                     702 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.5 33.58 37.77 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 19.26 73.65 73.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.99 7.99 875.83 385.42 0 1208 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32283 126 17 0.3795994277539342 No 0 7.9900 No No
XXXXXX-439     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-14-2025 719 719                                     719 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.15 28.92 34.26 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.34 47.69 47.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 11.99 11.99 699.75 359.75 0 661 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11600 505 6 0.5298867924528302 No 0 11.9900 No No
XXXXXX-440     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-14-2025 737 737                                     737 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.37 28.11 28.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.89 67.12 67.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.99 7.99 416.46 238.77 0 1131 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26126 91 8 0.20334177215189875 No 0 7.9900 No No
XXXXXX-441     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 07-10-2025 736 736     [Redacted] [Redacted] US Citizen 07-14-2025 723 723                     736 [Redacted] [Redacted] ND [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.78 28.89 32.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 13.31 71.16 71.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 12.49 12.49 1734.71 906.51 0 2964 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42285 268 7 0.2892020879940343 No 0 12.4900 No No
XXXXXX-442     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-14-2025 756 756                                     756 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.94 30.81 30.6 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 21.07 81.03 81.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.99 7.99 2498.75 1099.6 0 2047 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34162 324 15 0.23630611034210006 No 0 7.9900 No No
XXXXXX-443     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-15-2025 702 702                                     702 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.94 47.22 48.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.86 76.19 76.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.49 9.49 659.08 309.19 0 1813 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38355 252 32 0.6594468808735344 No 0 9.4900 No No
XXXXXX-444     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-16-2025 769 769                                     769 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.9 47.52 48.32 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.49 70.29 70.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.74 9.74 545.61 545.61 0 1570 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41000 189 4 0.40880487804878046 No 0 9.7400 No No
XXXXXX-445     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-16-2025 788 788                                     788 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.91 41.25 43.28 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 26.59 60.16 60.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.74 9.74 496.46 496.46 0 989 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25505 224 7 0.12838403041825094 No 0 9.7400 No No
XXXXXX-446     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 07-16-2025 724 724     [Redacted] [Redacted] US Citizen 07-16-2025 672 672                     724 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.15 47.92 48.66 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 19.79 79.08 79.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 10.74 10.74 1895.0 932.73 0 2760 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40169 173 13 0.40744513380868597 No 0 10.7400 No No
XXXXXX-447     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-17-2025 722 722                                     722 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.92 28.35 28.35 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.28 75.56 75.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.74 7.74 415.82 180.92 0 714.09 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45645 114 5 0.478 No 0 7.7400 No No
XXXXXX-448     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-12-2025 818 818                                     818 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.89 46.09 45.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.77 95.71 95.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.74 8.74 1964.97 1964.97 0 8297 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   3 [Redacted] Existing 1st and 2nd ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 61770 289 12 0.037625250501002 No 0 8.7400 No No
XXXXXX-449     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-18-2025 740 740                                     740 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.45 25.48 30.41 [Redacted] Unknown Plaid 12 Month Bank Statement   3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.84 70.32 70.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.74 7.74 1037.85 451.79 0 1566 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18400 258 16 0.21721090456851674 No 0 7.740 No No
XXXXXX-450     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-20-2025 791 791                                     791 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 17.57 46.9 43.5 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 39.97 80.24 80.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.49 9.49 1566.83 1566.83 0 1684 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25191 294 3 0.28726666666666667 No 0 9.4900 No No
XXXXXX-451     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-21-2025 710 710                                     710 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.23 29.98 27.9 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.60 20.19 20.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 7.99 7.99 916.21 403.19 0 831.79 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 244 8 0.5823809321493818 No 0 7.9900 No No
XXXXXX-452     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 07-25-2025 739 739     [Redacted] [Redacted] US Citizen 07-25-2025 813 813                     813 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.61 42.67 42.58 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 35.88 73.99 73.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 8.49 8.49 883.44 883.44 0 1563 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.1 [Redacted] 1 27500 260 10 0.33234309623430963 No 0 8.4900 No No
XXXXXX-453     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-07-2025 758 758                                     758 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.06 19.45 19.45 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.94 69.96 69.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven HELOC 9.49 9.49 1790.83 840.12 0 5275.47 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40500 407 14 0.25624572624482833 No 0 9.4900 No No
XXXXXX-454     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 05-07-2025 658 658                                     658 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.72 19.06 24 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 22.14 22.14 22.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 670.09 361.4 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15002 103 14 0.6524858785812427 No 0 13.490 No No
XXXXXX-455     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 05-05-2025 743 743                                     743 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 18.54 40.6 43.57 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 26.28 78.92 78.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1042.17 443.25 0 895 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21983 137 10 0.21601277372262773 No 0 7.240 No No
XXXXXX-456     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 05-05-2025 801 801                                     801 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.62 25.52 28.1 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.63 72.53 72.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 561.17 238.65 0 1003 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10900 115 3 0.08626086956521739 No 0 7.240 No No
XXXXXX-457     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 05-17-2025 665 665                                     665 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.26 44.3 44.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.08 77.62 77.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 514.37 262.42 0 2475 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18024 175 20 0.5772134394737826 No 0 11.740 No No
XXXXXX-458     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 05-20-2025 722 722                                     722 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.46 54.98 52.09 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.64 42.25 42.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 613.07 613.42 0 2915 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 61600 299 12 0.5208997955010225 No 0 8.740 No No
XXXXXX-459     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 05-26-2025 668 668                                     668 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.33 51.08 47.51 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.08 19.41 19.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 520.63 316.3 0 303.72 HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21909 119 12 0.6718990703851262 No 0 12.990 No No
XXXXXX-460     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 05-28-2025 760 760                                     760 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.52 54.93 54.06 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.55 59.58 59.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 420.44 420.7 0 980 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30787 110 8 0.19696757965343767 No 0 10.490 No No
XXXXXX-461     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 05-23-2025 752 752                                     752 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.27 33.53 37.11 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.72 34.44 34.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 847.88 360.58 0 1954 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25392 248 25 0.09654226073553322 No 0 7.240 No No
XXXXXX-462     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-02-2025 676 676                                     676 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.39 52.29 48.91 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.60 54.87 54.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 631.82 632.26 0 4386 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 240055 299 20 0.583203125 No 0 14.990 No No
XXXXXX-463     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-03-2025 823 823     [Redacted] [Redacted] US Citizen 06-03-2025 771 771                     823 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.64 33.12 37.44 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 10.00 53.48 53.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2496.06 1048.84 0 3173 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49298 237 12 0.10858153061362195 No 0 6.990 No No
XXXXXX-464     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-05-2025 669 669                                     669 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.2 51.98 49.27 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.96 46.56 46.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 722.09 368.39 0 1185.69 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12541 210 12 0.6209460368725609 No 0 11.740 No No
XXXXXX-465     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-03-2025 729 729                                     729 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.46 54.96 52.24 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.96 85.61 85.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1200.29 574.67 0 1329 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44935 203 15 0.42494752623688153 No 0 9.990 No No
XXXXXX-466     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-12-2025 789 789                                     789 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.62 26.76 23.02 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.84 88.84 88.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1077.65 525.93 0 1199 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 31500 279 8 0.16108496732026142 No 0 10.490 No No
XXXXXX-467     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 05-19-2025 813 813                                     813 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.33 31.06 30.23 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.52 81.93 81.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1266.0 532.02 0 3599 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38000 245 8 0.1413138686131387 No 0 6.990 No No
XXXXXX-468     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-16-2025 770 770                                     770 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.2 38.6 43 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.10 67.75 67.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 870.38 365.76 0 1644 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 27500 478 11 0.23049907578558226 No 0 6.990 No No
XXXXXX-469     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-05-2025 768 768     [Redacted] [Redacted] US Citizen 06-16-2025 806 806                     806 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.59 36.29 34.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.23 56.52 56.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 349.64 349.64 0 988 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 0 509 0 0.15787878787878787 No 0 6.990 No No
XXXXXX-470     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-21-2025 781 781     [Redacted] [Redacted] US Citizen 06-21-2025 838 838                     838 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.52 22.46 25.6 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 7.51 28.05 28.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.64 0 2168 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28000 272 4 0.1884320987654321 No 0 6.990 No No
XXXXXX-471     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-23-2025 677 677     [Redacted] [Redacted] US Citizen 06-23-2025 709 709                     709 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.48 18.26 18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 1.96 39.37 39.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 613.08 269.97 0 3382 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43447 311 24 0.5925577416595381 No 0 7.990 No No
XXXXXX-472     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-24-2025 847 847                                     847 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.5 38.24 39.75 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.08 82.42 82.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 633.0 266.01 0 4479 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 197 9 0.06425154320987654 No 0 6.990 No No
XXXXXX-473     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-24-2025 850 850                                     850 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.68 39.04 44.32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.36 56.63 56.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1664.03 699.29 0 4253 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail PUD 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 60170 283 13 0.009527998747493122 No 0 6.990 No No
XXXXXX-474     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-01-2025 751 751     [Redacted] [Redacted] US Citizen 07-01-2025 734 734                     751 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.21 22.52 24.25 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.18 62.08 62.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1202.5 511.43 0 3747 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6000 389 3 0.532465306122449 No 0 7.240 No No
XXXXXX-475     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-25-2025 785 785     [Redacted] [Redacted] US Citizen 06-25-2025 777 777                     785 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.85 29.88 29.88 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.05 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 564.92 240.26 0 1402.02 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23000 200 8 0.1800518134715026 No 0 7.240 No No
XXXXXX-476     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-26-2025 726 726     [Redacted] [Redacted] US Citizen 06-26-2025 707 707                     726 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.78 40.53 45.95 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.42 85.93 85.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.24 14.24 721.6 397.62 0 2563 HELOC - ARM 360 360 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 15636 212 3 0.40538167938931297 No 0 14.240 No No
XXXXXX-477     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-25-2025 753 753     [Redacted] [Redacted] US Citizen 06-25-2025 783 783                     783 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.66 54.97 53.45 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 10.13 66.12 66.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1021.42 498.49 0 2304 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 250 16 0.23016526145262384 No 0 10.490 No No
XXXXXX-478     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-02-2025 825 825                                     825 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.74 18.86 20.47 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.38 74.26 74.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 998.42 419.57 0 4266 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 322 3 0.2699064193071745 No 0 6.990 No No
XXXXXX-479     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-27-2025 741 741     [Redacted] [Redacted] US Citizen 06-27-2025 667 667                     741 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.6 30.9 32.81 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 16.69 64.61 64.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 2405.0 1022.86 0 3321 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32700 206 6 0.45780029905299885 No 0 7.240 No No
XXXXXX-480     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-30-2025 801 801     [Redacted] [Redacted] US Citizen 06-30-2025 803 803                     803 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.81 36.53 33.99 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 6.89 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 562.3 253.14 0 2881 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35131 205 20 0.008564621798689696 No 0 8.490 No No
XXXXXX-481     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-19-2025 676 676                                     676 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.43 43.59 43.14 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.60 79.76 79.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.37 0 2571 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22597 270 15 0.9532553035844916 No 0 14.990 No No
XXXXXX-482     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-06-2025 657 657                                     657 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.85 41.33 37.55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.02 70.46 70.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.37 0 5312 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 90087 190 3 5.156438631790745 No 0 14.990 No No
XXXXXX-483     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-07-2025 744 744                                     744 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.6 42.12 41.94 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.45 64.22 64.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 716.61 717.04 0 2515 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31300 217 5 0.10061013443640124 No 0 7.240 No No
XXXXXX-484     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-30-2025 776 776                                     776 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.37 35.06 37.5 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.02 74.05 74.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1325.66 557.09 0 7594 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33940 372 9 0.11788071065989848 No 0 6.990 No No
XXXXXX-485     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-11-2025 723 723                                     723 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 17.36 39.85 44.42 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 29.95 56.13 61.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2382.14 1048.96 0 1374 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 30000 237 5 0.8379478260869565 No 0 7.990 No No
XXXXXX-486     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-21-2025 763 763     [Redacted] [Redacted] US Citizen 06-21-2025 790 790                     790 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.21 39.34 41.95 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 5.68 32.88 32.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 585.8 246.17 0 2201 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12000 266 16 0.16609690051954143 No 0 6.990 No No
XXXXXX-487     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-27-2025 728 728                                     728 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.64 54.95 54.33 [Redacted] Employed Manual Verification Paystub N/A 2 - Stated, Not Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.63 56.92 56.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 1282.16 648.64 0 2637 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9600 367 4 0.42899038461538463 No 0 11.490 No No
XXXXXX-488     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-02-2025 803 803                                     803 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.18 9.02 6.6 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 27.37 69.82 69.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1491.36 1491.36 0 1643 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 60000 323 32 0.03143923163366777 No 0 6.990 No No
XXXXXX-489     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-05-2025 626 626     [Redacted] [Redacted] US Citizen 07-05-2025 741 741                     741 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.33 26.18 31.12 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.84 88.43 88.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 414.49 178.37 0 1544 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10800 120 11 0.5633975481611209 No 0 7.490 No No
XXXXXX-490     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-09-2025 641 641                                     641 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.12 45.97 44.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.22 59.33 59.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 548.36 548.84 0 758 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11500 249 15 0.8251887550200803 No 0 15.490 No No
XXXXXX-491     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-13-2025 759 759                                     759 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.16 36 37.98 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.52 80.83 80.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 812.08 349.48 0 4457 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38767 157 17 0.10726991492652746 No 0 7.490 No No
XXXXXX-492     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-30-2025 817 817     [Redacted] [Redacted] US Citizen 06-30-2025 700 700                     817 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.43 21.9 25.13 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 5.74 30.96 30.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1107.75 465.51 0 4398 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 173 4 0.21056818181818182 No 0 6.990 No No
XXXXXX-493     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-14-2025 730 730                                     730 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.41 30.53 28.9 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.99 78.56 78.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1055.71 454.32 0 1621 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 56652 122 7 0.12985976267529667 No 0 7.490 No No
XXXXXX-494     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-05-2025 707 707     [Redacted] [Redacted] US Citizen 07-05-2025 739 739                     739 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.25 53.56 51.99 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 25.95 55.40 55.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.74 13.74 2145.0 1165.06 0 1078 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 77366 200 14 0.5307865168539326 No 0 13.740 No No
XXXXXX-495     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-14-2025 754 754     [Redacted] [Redacted] US Citizen 07-14-2025 815 815                     815 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.73 21.05 22.85 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 17.01 57.07 57.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1191.35 1191.35 0 2811 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 61107 227 11 0.20730842911877395 No 0 8.490 No No
XXXXXX-496     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 06-28-2025 740 740     [Redacted] [Redacted] US Citizen 06-28-2025 661 661                     740 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.25 39.78 43.3 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 27.41 62.16 62.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 1705.5 839.95 0 1100 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16579 395 6 0.8904408735063865 No 0 10.740 No No
XXXXXX-497     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-17-2025 792 792                                     792 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.53 33.35 33.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.80 76.11 76.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 665.62 279.68 0 319.39 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24800 177 6 0.007429547395388557 No 0 6.990 No No
XXXXXX-498     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-10-2025 791 791     [Redacted] [Redacted] US Citizen 07-10-2025 780 780                     791 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.25 28.74 31.84 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.85 62.30 62.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1143.24 557.86 0 1480 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32483 214 3 0.12675862068965518 No 0 10.490 No No
XXXXXX-499     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-18-2025 679 679                                     679 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.96 47.31 48.54 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.53 78.39 78.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 595.62 339.18 0 2151 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32726 320 10 0.7870074812967581 No 0 15.490 No No
XXXXXX-500     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-22-2025 691 691                                     691 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.47 52.34 54.95 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.93 47.71 47.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 1145.42 652.28 0 1153 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23360 304 16 0.762564140700528 No 0 15.490 No No
XXXXXX-501     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-17-2025 742 742                                     742 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.52 38.83 40.63 [Redacted] Retired Manual Verification Retirement Income Doc Verified IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.13 9.13 9.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 182.0 107.96 0   HELOC - ARM 180 180 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 24484 119 13 0.04707207207207207 No 0 10.990 No No
XXXXXX-502     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-17-2025 781 781                                     781 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.4 33.52 36.95 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.99 77.97 77.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2080.05 874.01 0 3703 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 99500 389 14 0.5944200640030021 No 0 6.990 No No
XXXXXX-503     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-22-2025 721 721                                     721 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.15 44.26 47.42 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.11 36.91 36.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 728.88 387.14 0 1828 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8000 191 9 0.4454074074074074 No 0 12.990 No No
XXXXXX-504     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-15-2025 756 756                                     756 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.75 33.29 37.89 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.92 85.86 85.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 637.22 310.94 0 1147 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 145 9 0.16575257731958762 No 0 10.490 No No
XXXXXX-505     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-19-2025 736 736                                     736 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.09 52.6 49.73 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 35.17 78.03 78.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 452.37 452.64 0 759 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 33891 180 14 0.1586783042394015 No 0 10.740 No No
XXXXXX-506     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-26-2025 774 774                                     774 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.8 38.88 36.95 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 39.93 68.24 68.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1062.76 1063.35 0 1063 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 201 8 0.08285552407932012 No 0 9.490 No No
XXXXXX-507     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-21-2025 687 687                                     687 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.84 54.95 53.69 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.38 65.13 65.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 708.49 398.3 0 1717 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8500 245 14 0.1173385214007782 No 0 14.990 No No
XXXXXX-508     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-22-2025 666 666     [Redacted] [Redacted] US Citizen 07-22-2025 736 736                     736 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.9 40.85 40.2 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 16.50 73.37 73.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 1539.92 730.07 0 1986 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 61365 237 14 0.6111889321227842 No 0 9.740 No No
XXXXXX-509     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-23-2025 754 754                                     754 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6 11.71 14.81 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 23.86 79.99 79.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2498.75 1100.17 0 2557 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28600 167 11 0.10723817940786566 No 0 7.990 No No
XXXXXX-510     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-25-0205 677 677                                     677 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.82 35.27 38.26 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.40 66.90 66.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 721.58 380.3 0 1440 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8000 -21695 8 0.594321859370403 No 0 12.740 No No
XXXXXX-511     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-21-2025 745 745     [Redacted] [Redacted] US Citizen 07-21-2025 745 745                     745 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.14 37.44 39.35 [Redacted] Employed Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 12.48 43.91 43.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1202.5 511.37 0 2494 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23235 189 12 0.5780689461883408 No 0 7.240 No No
XXXXXX-512     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-02-2025 721 721                                     721 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.4 50.06 51.58 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.76 83.21 83.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 487.28 237.78 0 2949 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28579 354 8 0.381484375 No 0 10.490 No No
XXXXXX-513     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-08-2025 764 764                                     764 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.16 21.1 22.91 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 26.60 26.60 26.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 916.21 403.39 0   HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 33324 134 7 0.08432748538011696 No 0 7.990 No No
XXXXXX-514     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-25-2025 714 714                                     714 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.12 29.19 33.42 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.73 70.81 70.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1418.39 704.91 0 1791 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41141 128 11 0.3908701854493581 No 0 10.990 No No
XXXXXX-515     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-22-2025 761 761                                     761 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.84 33.17 35 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 39.94 56.25 56.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1240.13 1240.13 0 743 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 19734 346 12 0.19064828994384891 No 0 6.990 No No
XXXXXX-516     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-25-2025 738 738     [Redacted] [Redacted] US Citizen 07-25-2025 792 792                     792 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 18.68 41.46 46.35 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 33.90 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2405.43 1010.74 0 1879 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23000 249 10 0.41931806581141323 No 0 6.990 No No
XXXXXX-517     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-28-2025 747 747                                     747 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 17.39 36.72 40.55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 25.90 82.37 82.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1202.5 511.37 0 1415 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8000 238 15 0.19243697478991598 No 0 7.240 No No
XXXXXX-518     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-27-2025 810 810     [Redacted] [Redacted] US Citizen 07-27-2025 776 776                     810 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.2 17.9 22.22 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 25.91 84.96 84.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 3188.74 1339.87 0 3159 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31800 180 7 0.18139044943820223 No 0 6.990 No No
XXXXXX-519     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-27-2025 813 813                                     813 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.64 31.86 31.86 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.05 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 546.07 248.47 0 3578.93 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 155274 187 30 0.0011515620116143255 No 0 8.740 No No
XXXXXX-520     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-28-2025 678 678                                     678 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.18 54.94 52.32 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.52 73.67 73.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 573.54 322.44 0 2633 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11780 159 11 0.6615873015873016 No 0 14.990 No No
XXXXXX-521     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-15-2025 774 774                                     774 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 17.36 40.97 36.89 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.46 48.04 48.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 3671.21 1723.22 0 2214 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28573 425 10 0.3418352059925094 No 0 9.490 No No
XXXXXX-522     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-29-2025 732 732     [Redacted] [Redacted] US Citizen 07-29-2025 687 687                     732 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.07 46.27 47.79 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.37 45.26 45.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.99 13.99 1407.79 770.14 0 1430 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38107 217 5 0.5194740686632578 No 0 13.990 No No
XXXXXX-523     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-29-2025 689 689                                     689 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.88 32.82 37.21 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.67 75.13 75.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 1103.75 612.27 0 1331 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30507 226 6 0.5589316239316239 No 0 14.490 No No
XXXXXX-524     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-30-2025 740 740                                     740 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.8 37.33 41.09 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.95 48.25 48.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1007.88 482.53 0 2703 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34500 210 8 0.40465393794749405 No 0 9.990 No No
XXXXXX-525     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-29-2025 830 830     [Redacted] [Redacted] US Citizen 07-29-2025 850 850                     850 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.2 37.17 39.76 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 8.53 46.55 46.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1624.17 698.88 0 2988 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 65400 295 12 0.0406030878237816 No 0 7.490 No No
XXXXXX-526     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-01-2025 783 783                                     783 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 18.2 43.59 45.59 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.87 16.87 16.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 834.21 350.53 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 10818 125 5 0.26588235294117646 No 0 6.990 No No
XXXXXX-527     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-27-2025 850 850                                     850 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.3 41.47 33.23 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 21.58 59.99 59.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 864.43 864.43 0 1824 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20500 307 5 0.08894573643410852 No 0 6.990 No No
XXXXXX-528     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-02-2025 684 684     [Redacted] [Redacted] US Citizen 08-02-2025 738 738                     738 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.11 23.19 22.01 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.20 56.05 56.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1366.28 587.91 0 5441 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 66518 265 15 0.40632457027300306 No 0 7.490 No No
XXXXXX-529     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-02-2025 708 708                                     708 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.72 44.98 42.28 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.32 33.69 33.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 900.9 405.53 0 1471 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37990 372 14 0.4876945536932294 No 0 8.490 No No
XXXXXX-530     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-01-2025 740 740     [Redacted] [Redacted] US Citizen 07-31-2025 677 677                     740 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.93 15.07 18.49 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 10.49 10.49 10.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 422.28 181.71 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13800 156 3 0.5830397505845675 No 0 7.490 No No
XXXXXX-531     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-23-2025 694 694                                     694 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 17.08 51.72 54.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.66 75.85 75.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 1124.58 0 1404 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20900 226 9 0.6592465753424658 No 0 14.990 No No
XXXXXX-532     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-25-2025 736 736                                     736 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.79 14 13.72 [Redacted] Unknown Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.96 59.33 59.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 454.04 454.04 0 551 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36200 127 7 0.19945790080738177 No 0 7.490 No No
XXXXXX-533     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-27-2025 725 725     [Redacted] [Redacted] US Citizen 07-27-2025 696 696                     725 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.32 34.19 38.4 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 31.16 86.52 86.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1874.17 914.52 0 1459 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29426 215 14 0.23318577877313923 No 0 10.490 No No
XXXXXX-534     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-31-2025 778 778                                     778 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.45 45.62 46.41 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.24 70.24 70.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1182.43 576.99 0 6149 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 136 5 0.12432022715241349 No 0 10.490 No No
XXXXXX-535     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-01-2025 651 651                                     651 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.25 38.38 39.93 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.15 78.99 78.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.74 14.74 281.17 174.45 0 2315 HELOC - ARM 180 180 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 2000 304 3 0.35619047619047617 No 0 14.740 No No
XXXXXX-536     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-01-2025 721 721     [Redacted] [Redacted] US Citizen 08-01-2025 723 723                     723 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.58 46.63 48.79 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 11.10 59.20 59.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1373.14 624.8 0 2950 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 306 6 0.7550541147641413 No 0 8.740 No No
XXXXXX-537     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-03-2025 654 654                                     654 [Redacted] [Redacted] SD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.11 38.45 40.34 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.10 7.10 7.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 379.72 232.08 0   HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 12200 76 6 0.710391304347826 No 0 13.490 No No
XXXXXX-538     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-04-2025 746 746                                     746 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.57 30.51 32.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.51 37.93 37.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 510.21 308.1 0 1089 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20500 146 11 0.19288159250274167 No 0 12.490 No No
XXXXXX-539     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-04-2025 753 753                                     753 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.15 23.4 26.3 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.33 63.72 63.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 788.29 384.66 0 1788 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14800 187 7 0.3497962648556876 No 0 10.490 No No
XXXXXX-540     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-27-2025 847 847     [Redacted] [Redacted] US Citizen 07-27-2025 837 837                     847 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.05 29.65 31.99 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.31 46.79 46.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1978.13 831.19 0 2754 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 81159 453 11 0.0875936934608426 No 0 6.990 No No
XXXXXX-541     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-30-2025 702 702                                     702 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.95 34.54 37.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.61 76.73 76.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1341.08 666.49 0 2091 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34073 246 9 0.1307405875051717 No 0 10.990 No No
XXXXXX-542     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-02-2025 727 727     [Redacted] [Redacted] US Citizen 08-02-2025 777 777                     777 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.78 10.78 13.98 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Paystub W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 16.01 64.35 64.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 930.6 432.39 0 989 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34000 235 7 0.36643056849953404 No 0 9.240 No No
XXXXXX-543     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-01-2025 827 827                                     827 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.39 28.28 33.38 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.41 73.11 73.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1779.81 792.43 0 2754 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17595 326 8 0.010122649223221586 No 0 8.240 No No
XXXXXX-544     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-07-2025 763 763                                     763 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.27 36.32 40.23 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.15 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 823.06 401.62 0 2303 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 249785 243 6 0.05178683385579937 No 0 10.490 No No
XXXXXX-545     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-07-2025 850 850                                     850 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16 40.22 44.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.44 72.83 72.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.61 0 1118 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24500 364 9 0.015255423372988103 No 0 6.990 No No
XXXXXX-546     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-09-2025 697 697                                     697 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.9 49.99 48.82 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.24 77.25 77.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.24 14.24 574.83 316.68 0 4697 HELOC - ARM 360 360 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 55651 225 8 0.8879746835443038 No 0 14.240 No No
XXXXXX-547     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-01-2025 682 682                                     682 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.96 55 51.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.78 68.14 68.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 802.59 429.54 0 2534 HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36064 146 16 0.5734146708841693 No 0 13.240 No No
XXXXXX-548     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-06-2025 668 668                                     668 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.75 55 50 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.98 71.49 71.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 565.19 317.74 0 117.15 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 59077 143 15 0.4806806637317982 No 0 14.990 No No
XXXXXX-549     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-06-2025 681 681                                     681 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.4 51.38 54.1 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 21.44 21.44 21.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 937.08 457.26 0   HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 86655 92 26 0.1785897718101108 No 0 10.490 No No
XXXXXX-550     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-08-2025 775 775                                     775 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.7 33.8 33.81 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.88 84.45 84.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 430.1 191.49 0 941 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27497 226 17 0.2549224020928815 No 0 8.240 No No
XXXXXX-551     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-15-2025 728 728                                     728 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.1 22.71 25.63 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.40 54.98 54.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2498.75 1100.17 0 3503 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34357 273 3 1.0027663230240549 No 0 7.990 No No
XXXXXX-552     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-04-2025 761 761                                     761 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 55.72 29.42 50.68 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.70 16.70 16.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1190.1 580.72 0   HELOC - ARM 360 360 [Redacted] 3.25 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31200 155 11 0.18149084568439408 No 0 10.490 No No
XXXXXX-553     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-04-2025 655 655                                     655 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.98 47.6 47.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.98 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 673.6 373.66 0 1936 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35626 123 21 0.7189532944120101 No 0 14.490 No No
XXXXXX-554     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-08-2025 788 788                                     788 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.59 38.83 36.73 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 76.85 76.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1590.05 746.35 0 789 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40243 147 13 0.0002853067047075606 No 0 9.490 No No
XXXXXX-555     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-12-2025 669 669                                     669 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.89 54.98 49.68 [Redacted] Employed Manual Verification Paystub Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.98 72.45 72.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.24 15.24 477.4 297.95 0 1727 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27561 230 8 0.5150769230769231 No 0 15.240 No No
XXXXXX-556     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-02-2025 770 770                                     770 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.78 22.42 24.56 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.39 88.94 88.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 740.3 361.24 0 2370 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12500 112 6 0.21515548281505728 No 0 10.490 No No
XXXXXX-557     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-31-2025 775 775                                     775 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.97 24.24 27.6 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.41 87.80 87.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1582.5 1582.5 0 2816 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36364 256 29 0.2715444918168065 No 0 6.990 No No
XXXXXX-558     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-07-2025 761 761                                     761 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.66 29.01 32.18 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.13 67.34 67.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.61 0 1812 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30351 412 23 0.14838352763385146 No 0 6.990 No No
XXXXXX-559     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-11-2025 736 736     [Redacted] [Redacted] US Citizen 08-11-2025 743 743                     743 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.72 33.14 31.46 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 26.06 60.62 60.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 2655.0 1233.61 0 2135 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51284 300 11 0.5497800338409475 No 0 9.240 No No
XXXXXX-560     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-12-2025 747 747     [Redacted] [Redacted] US Citizen 08-12-2025 733 733                     747 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.53 35.57 39.22 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 17.02 78.90 78.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 619.28 331.43 0 1106 HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8500 160 10 0.3572987721691678 No 0 13.240 No No
XXXXXX-561     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-13-2025 720 720                                     720 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.13 41.21 45.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.64 7.64 7.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 410.06 172.3 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40772 143 5 0.40816733067729083 No 0 6.990 No No
XXXXXX-562     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-30-2025 793 793                                     793 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.28 52.87 53.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.99 82.64 82.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 985.36 480.82 0 2393 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 83078 275 11 0.18415717539863324 No 0 10.490 No No
XXXXXX-563     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-03-2025 842 842     [Redacted] [Redacted] US Citizen 08-03-2025 725 725                     842 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.23 45.41 47.68 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 6.00 76.72 76.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1123.42 511.17 0 4269 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 11000 294 7 0.2634529337273111 No 0 8.740 No No
XXXXXX-564     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-12-2025 724 724     [Redacted] [Redacted] US Citizen 08-12-2025 689 689                     724 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.76 42.07 43.96 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 40.00 77.52 77.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 2327.3 1236.12 0 1133 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23500 226 6 0.5910232558139535 No 0 12.990 No No
XXXXXX-565     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-13-2025 711 711                                     711 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.96 46.88 43.75 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.62 65.37 65.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 2040.83 1066.48 0 3581 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32200 99 12 0.5989913629166702 No 0 12.490 No No
XXXXXX-566     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-16-2025 719 719     [Redacted] [Redacted] US Citizen 08-16-2025 688 688                     719 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.1 20.01 24.87 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 31.15 81.72 81.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1402.98 617.64 0 1164 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6700 130 6 0.19807770961145194 No 0 7.990 No No
XXXXXX-567     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-12-2025 744 744     [Redacted] [Redacted] US Citizen 08-12-2025 735 735                     744 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.49 26.48 27.66 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 4.20 68.55 68.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 492.68 240.41 0 2492 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 56185 216 6 0.6385443037974684 No 0 10.490 No No
XXXXXX-568     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-16-2025 768 768     [Redacted] [Redacted] US Citizen 08-16-2025 804 804                     804 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.71 32.36 27.7 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 29.95 29.95 29.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 3328.08 1398.27 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26716 276 13 0.035253878702397747 No 0 6.990 No No
XXXXXX-569     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-15-2025 784 784     [Redacted] [Redacted] US Citizen 08-15-2025 795 795                     795 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.3 22.87 26.74 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.05 52.82 52.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 848.66 356.56 0 2875 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13872 262 10 0.3232296945623887 No 0 6.990 No No
XXXXXX-570     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-18-2025 815 815                                     815 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.8 24.61 21.92 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.14 65.11 65.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 665.62 279.65 0 1490 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31400 161 4 0 No 0 6.990 No No
XXXXXX-571     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-18-2025 764 764                                     764 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.18 36.49 35.48 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.37 33.46 33.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 908.69 413.41 0 960 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33177 293 7 0.40785407725321887 No 0 8.740 No No
XXXXXX-572     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-18-2025 744 744     [Redacted] [Redacted] US Citizen 08-18-2025 791 791                     791 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.22 34.5 39.07 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 17.27 77.66 77.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1081.62 454.44 0 2374 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20733 208 9 0.33831920903954804 No 0 6.990 No No
XXXXXX-573     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-19-2025 696 696                                     696 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.2 23.88 25.44 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.24 84.55 84.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.99 13.99 455.49 280.0 0 1757 HELOC - ARM 180 180 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9948 239 9 0.3360323886639676 No 0 13.990 No No
XXXXXX-574     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-13-2025 648 648                                     648 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.7 43.02 42.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.08 73.74 73.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 602.22 342.86 0 1477 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24299 217 4 0.9237894736842105 No 0 15.490 No No
XXXXXX-575     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-18-2025 800 800                                     800 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.1 26.91 28.66 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.93 74.38 74.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1403.19 1403.19 0 4725 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 289587 336 6 0.13723024844345041 No 0 6.990 No No
XXXXXX-576     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-10-2025 728 728     [Redacted] [Redacted] US Citizen 08-10-2025 733 733                     733 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.7 41.38 45.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.51 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 2268.42 1214.05 0 3601 HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23365 324 13 0.5607901554404146 No 0 13.240 No No
XXXXXX-577     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-10-2025 768 768                                     768 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.38 52.23 53.8 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.79 45.35 45.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 472.27 210.27 0 2687 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29328 546 16 0.20527884698868404 No 0 8.240 No No
XXXXXX-578     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-11-2025 734 734     [Redacted] [Redacted] US Citizen 08-11-2025 781 781                     781 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.29 44.74 48.65 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 12.89 73.36 73.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 834.04 350.42 0 1855 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14500 562 8 0.32082049570622345 No 0 6.990 No No
XXXXXX-579     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-18-2025 724 724                                     724 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.12 27.24 24.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.93 9.93 9.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 559.0 259.69 0   HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19000 503 15 0.24147057723242676 No 0 9.240 No No
XXXXXX-580     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-19-2025 725 725                                     725 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.21 53.11 52.74 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.23 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 237.55 237.55 0 3147 HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 265 9 0.6448341232227488 No 0 9.740 No No
XXXXXX-581     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-20-2025 645 645                                     645 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.15 40.99 41.65 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.22 17.14 17.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 595.62 339.1 0 2325 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4000 140 8 0.4491891891891892 No 0 15.490 No No
XXXXXX-582     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-11-2025 755 755                                     755 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.68 37.74 39.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.08 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 835.73 407.74 0 2414 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35674 288 12 0.3253400388615842 No 0 10.490 No No
XXXXXX-583     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-14-2025 768 768     [Redacted] [Redacted] US Citizen 08-14-2025 766 766                     768 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.72 31.8 36.5 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.43 79.43 79.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 1149.66 545.05 0 2093 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23623 380 6 0.2360129410536902 No 0 9.740 No No
XXXXXX-584     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-26-2025 682 682                                     682 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.76 53.81 53.12 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.95 36.96 36.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 519.78 267.35 0 569 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27841 208 9 0.07361702127659575 No 0 11.990 No No
XXXXXX-585     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-20-2025 763 763                                     763 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.37 25.23 27.19 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.70 19.70 19.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.57 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 41980 151 7 0.5407246376811594 No 0 6.990 No No
XXXXXX-586     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-21-2025 653 653     [Redacted] [Redacted] US Citizen 08-21-2025 701 701                     701 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.41 15.77 19.38 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 21.10 21.10 21.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1624.17 698.8 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48247 274 9 0.8409780084687885 No 0 7.490 No No
XXXXXX-587     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-15-2025 833 833                                     833 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.33 43.91 42.48 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.55 81.53 81.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 291.21 165.33 0 1553 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 130154 288 8 0.12591549295774648 No 0 6.990 No No
XXXXXX-588     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-19-2025 672 672     [Redacted] [Redacted] US Citizen 08-19-2025 641 641                     672 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.02 11.33 12.91 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.94 7.94 7.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 532.1 259.6 0   HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 1800 180 5 0.9718324607329842 No 0 10.490 No No
XXXXXX-589     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-16-2025 721 721     [Redacted] [Redacted] US Citizen 08-16-2025 685 685                     721 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.99 34.18 36.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 9.73 78.79 78.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 521.94 227.18 0 1871 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11324 319 6 0.27898550724637683 No 0 7.740 No No
XXXXXX-590     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-19-2025 781 781     [Redacted] [Redacted] US Citizen 08-19-2025 823 823                     823 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.8 14.45 15.96 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.31 79.08 79.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1248.02 524.35 0 4238 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 360000 289 10 0.6215050295321225 No 0 6.990 No No
XXXXXX-591     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-21-2025 811 811                                     811 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.19 52.45 50.16 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.38 83.78 83.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 476.49 476.68 0 1461 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43000 244 14 0.5153063599962753 No 0 7.990 No No
XXXXXX-592     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-25-2025 774 774                                     774 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.59 40.01 44.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.97 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 912.87 445.37 0 8231.18 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43673 120 10 0.07098468271334792 No 0 10.490 No No
XXXXXX-593     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-25-2025 786 786                                     786 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.03 52.7 48.3 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.60 25.05 25.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 227.98 228.07 0 1292 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6000 307 3 0.15266666666666667 No 0 9.990 No No
XXXXXX-594     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-03-2025 656 656                                     656 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.49 34.41 35.65 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.53 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.24 14.24 530.11 326.86 0 1959 HELOC - ARM 180 180 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11233 486 17 0.9011750881316098 No 0 14.240 No No
XXXXXX-595     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-19-2025 701 701                                     701 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.62 25.02 27.28 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.97 18.97 18.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 781.76 421.44 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30792 452 11 0.44014150943396224 No 0 13.490 No No
XXXXXX-596     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-22-2025 713 713                                     713 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.15 30.91 28.73 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.60 43.36 43.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 604.37 300.31 0 0 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33000 246 7 0.38263448275862066 No 0 10.990 No No
XXXXXX-597     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-23-2025 749 749                                     749 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.19 49.35 50.66 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.35 74.43 74.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 1002.11 493.45 0 1442 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23498 213 26 0.09229844164954652 No 0 10.740 No No
XXXXXX-598     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-25-2025 771 771                                     771 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.63 24.1 28.32 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 25.41 35.93 35.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1874.17 914.37 0 403 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 35000 329 19 0.20760353982300886 No 0 10.490 No No
XXXXXX-599     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-20-2025 713 713                                     713 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.01 26.88 30.88 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.22 51.35 51.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 455.95 207.43 0 1273 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32202 264 11 0.07522575250836121 No 0 8.740 No No
XXXXXX-600     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-20-2025 772 772                                     772 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.67 55 54.39 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.52 66.42 66.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 393.79 393.79 0 2084 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 243 13 0.13722758620689654 No 0 8.740 No No
XXXXXX-601     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-23-2025 749 749                                     749 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.05 45.06 49.24 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.95 80.60 80.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 2340.03 1087.11 0 2854 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17500 211 9 0.5046812559467174 No 0 9.240 No No
XXXXXX-602     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-23-2025 788 788     [Redacted] [Redacted] US Citizen 08-23-2025 836 836                     836 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.98 49.41 46.32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 28.76 84.06 84.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1027.41 442.04 0 1269 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 283 40 0.030676587644921267 No 0 7.490 No No
XXXXXX-603     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-24-2025 653 653     [Redacted] [Redacted] US Citizen 08-24-2025 637 637                     653 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.23 49.24 48.45 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.62 79.59 79.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 572.71 358.42 0 2843 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35558 204 25 0.44520612205327714 No 0 15.490 No No
XXXXXX-604     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-25-2025 773 773                                     773 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.36 54.98 52.65 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.94 83.93 83.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1425.88 648.7 0 1652 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 105706 215 21 0.03174094847700176 No 0 8.740 No No
XXXXXX-605     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-02-2025 772 772                                     772 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.09 51.88 52.28 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.34 75.94 75.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1853.33 895.73 0 4557 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19600 283 15 0.13404914037283447 No 0 10.240 No No
XXXXXX-606     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-19-2025 665 665     [Redacted] [Redacted] US Citizen 08-19-2025 627 627                     665 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.58 51.03 46.71 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.12 70.78 70.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 1041.25 552.94 0 1988 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33688 358 16 0.6359806382215848 No 0 12.990 No No
XXXXXX-607     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-23-2025 658 658                                     658 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.5 44.59 47.25 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.71 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 807.61 447.9 0 3253 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44218 276 15 0.3094664224271834 No 0 14.490 No No
XXXXXX-608     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-04-2025 673 673                                     673 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.14 23.66 26.11 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.52 79.19 79.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.99 13.99 563.12 307.99 0 1554 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6400 93 9 0.6113953866146848 No 0 13.990 No No
XXXXXX-609     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-25-2025 771 771                                     771 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.11 43.75 48.34 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.80 78.20 78.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1970.73 961.49 0 4709 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 63549 199 15 0.14792773926758473 No 0 10.490 No No
XXXXXX-610     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-30-2025 823 823                                     823 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.97 30.88 35.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.95 84.56 84.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 2583.77 1124.61 0 4044 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 201 13 0.05926094181500831 No 0 7.740 No No
XXXXXX-611     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-26-2025 818 818                                     818 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.91 48.34 51.62 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.27 52.40 52.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1069.25 465.4 0 1545 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 360 10 0.026879756468797564 No 0 7.740 No No
XXXXXX-612     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-27-2025 812 812     [Redacted] [Redacted] US Citizen 08-27-2025 798 798                     812 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.11 29.64 28.61 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 13.70 13.70 13.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 533.78 224.27 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 49441 205 5 0.14576437302365147 No 0 6.990 No No
XXXXXX-613     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-27-2025 835 835                                     835 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.56 30.8 33.71 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.22 17.22 17.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1252.42 526.2 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 32500 338 9 0.09211446740858506 No 0 6.990 No No
XXXXXX-614     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-27-2025 655 655                                     655 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.17 27.4 29.73 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.86 68.77 68.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 591.26 332.32 0 1515 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29864 264 15 0.5676485272091862 No 0 14.990 No No
XXXXXX-615     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-19-2025 753 753     [Redacted] [Redacted] US Citizen 08-19-2025 706 706                     753 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.81 26.66 26.66 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.96 36.61 36.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1313.75 578.36 0 474 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 45833 165 12 0.39722650231124806 No 0 7.990 No No
XXXXXX-616     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-21-2025 765 765     [Redacted] [Redacted] US Citizen 08-21-2025 718 718                     765 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.64 50.17 53.72 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 7.82 64.71 64.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 836.86 351.6 0 2552 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25633 264 23 0.13202890173410406 No 0 6.990 No No
XXXXXX-617     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-27-2025 721 721     [Redacted] [Redacted] US Citizen 08-27-2025 712 712                     721 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.1 43.31 44.82 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 4.24 18.85 18.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 449.37 204.44 0 2625 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 30000 393 10 0.26239732862516313 No 0 8.740 No No
XXXXXX-618     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-27-2025 741 741                                     741 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.2 24.24 26.28 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.24 61.23 61.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 875.83 385.57 0 1979 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 53939 213 28 0.09850497725212488 No 0 7.990 No No
XXXXXX-619     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-28-2025 753 753                                     753 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 19.88 46.17 48.62 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.56 58.67 58.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1466.76 708.9 0 1613 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11073 294 17 0.19958448753462604 No 0 10.240 No No
XXXXXX-620     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-29-2025 807 807                                     807 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.84 36.48 35.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.66 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 725.48 326.53 0 3834 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 120 10 0.02174146014735432 No 0 8.490 No No
XXXXXX-621     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-13-2025 847 847     [Redacted] [Redacted] US Citizen 08-13-2025 825 825                     847 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.25 25.53 24.17 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 32.73 84.66 84.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1398.27 1398.27 0 2198 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40000 262 7 0.022843868563478004 No 0 6.990 No No
XXXXXX-622     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-27-2025 780 780     [Redacted] [Redacted] US Citizen 08-27-2025 787 787                     787 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.47 24.58 29.54 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 15.99 68.07 68.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 759.0 337.89 0 1134 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6700 144 2 0.06111561866125761 No 0 8.240 No No
XXXXXX-623     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-28-2025 742 742                                     742 [Redacted] [Redacted] ID [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.56 19.49 20.83 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.48 83.32 83.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 853.92 367.4 0 3355 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40000 232 10 0.39779324055666004 No 0 7.490 No No
XXXXXX-624     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-29-2025 730 730                                     730 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.84 43.08 44.85 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.39 54.67 54.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 454.35 206.7 0 603 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12044 217 15 0.10536 No 0 8.740 No No
XXXXXX-625     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-27-2025 790 790     [Redacted] [Redacted] US Citizen 08-27-2025 784 784                     790 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.52 20.94 24.45 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 22.60 79.98 79.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1671.07 702.09 0 1764 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 36200 264 13 0.19312332439678284 No 0 6.990 No No
XXXXXX-626     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-31-2025 680 680                                     680 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.62 48.31 50.11 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.61 8.61 8.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 446.73 272.97 0   HELOC - ARM 180 180 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 35000 269 22 0.4660982587344852 No 0 13.490 No No
XXXXXX-627     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-27-2025 755 755     [Redacted] [Redacted] US Citizen 08-27-2025 689 689                     755 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.03 41.86 42.99 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.82 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 504.26 246.02 0 2274 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57919 222 10 0.2838818565400844 No 0 10.490 No No
XXXXXX-628     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-28-2025 674 674     [Redacted] [Redacted] US Citizen 08-28-2025 672 672                     674 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.11 24.58 27.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 18.00 18.00 18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 671.8 359.47 0   HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16428 167 10 0.6384691651794566 No 0 13.240 No No
XXXXXX-629     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-29-2025 680 680                                     680 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.54 37.64 39.36 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.18 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 616.86 346.71 0 2262 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35051 228 12 0.487 No 0 14.990 No No
XXXXXX-630     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-05-2025 756 756     [Redacted] [Redacted] US Citizen 08-05-2025 764 764                     764 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.66 23.86 27.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 19.53 79.30 79.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1664.03 699.14 0 2399 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49261 309 10 0.4062058526740666 No 0 6.990 No No
XXXXXX-631     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-31-2025 650 650                                     650 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 21.07 35.1 35.1 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.92 64.33 64.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 978.75 494.97 0 365.88 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 2800 114 4 0.8656060606060606 No 0 11.490 No No
XXXXXX-632     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-01-2025 777 777     [Redacted] [Redacted] US Citizen 09-01-2025 774 774                     777 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.09 49.09 45.04 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 21.74 47.88 47.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 1428.76 677.27 0 884 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 21569 144 7 0.22580952380952382 No 0 9.740 No No
XXXXXX-633     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-13-2025 756 756                                     756 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.71 49.39 45.31 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.14 63.48 63.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1256.84 565.68 0 1929 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12188 215 9 0.5023376623376623 No 0 8.490 No No
XXXXXX-634     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-19-2025 777 777                                     777 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.2 41.91 44.88 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.86 61.15 61.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 664.22 279.07 0 3168 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30884 274 6 0.2077601809954751 No 0 6.990 No No
XXXXXX-635     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-25-2025 726 726                                     726 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.85 43.49 47.09 [Redacted] Employed Manual Verification Paystub Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.87 66.11 66.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1395.47 614.33 0 2501 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28000 303 15 0.29921136059947073 No 0 7.990 No No
XXXXXX-636     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-25-2025 747 747     [Redacted] [Redacted] US Citizen 08-25-2025 696 696                     747 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.44 42.15 41.84 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.69 88.67 88.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 276.34 276.34 0 1947.85 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 58156 83 6 0.36734146341463414 No 0 8.240 No No
XXXXXX-637     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-20-2025 747 747                                     747 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.43 26.91 27.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.58 3.58 3.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 111.49 63.3 0   HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 12400 126 6 0.15834808259587022 No 0 6.990 No No
XXXXXX-638     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-02-2025 808 808                                     808 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.88 34.25 38.24 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.01 41.99 41.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 525.5 231.34 0 1173 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15564 169 10 0.11173091458805745 No 0 7.990 No No
XXXXXX-639     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-18-2025 850 850                                     850 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.66 28.11 23.81 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 75.76 75.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1316.7 1317.2 0 1574 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24900 273 3 0.09156398104265402 No 0 7.490 No No
XXXXXX-640     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-20-2025 663 663                                     663 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.25 48.44 48.77 [Redacted] Employed Manual Verification Paystub W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.28 67.06 67.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 584.78 328.68 0 1681 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8100 222 16 0.22617384240454916 No 0 14.990 No No
XXXXXX-641     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-22-2025 738 738                                     738 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.64 43 46.89 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.00 59.54 59.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 1471.52 756.88 0 3001 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 161890 257 9 0.41736078436359475 No 0 11.990 No No
XXXXXX-642     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-01-2025 724 724                                     724 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.34 27.55 27.02 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.72 80.20 80.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 359.1 207.02 0 1172 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6000 102 5 0 No 0 8.490 No No
XXXXXX-643     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-02-2025 664 664                                     664 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.09 13.31 13.96 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.18 22.65 22.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 722.66 411.43 0 27.13 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22426 160 17 0.14839169269549016 No 0 15.490 No No
XXXXXX-644     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-02-2025 649 649                                     649 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.67 50.1 48.57 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.44 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 575.27 327.52 0 1579 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28790 76 12 0.5743474903474903 No 0 15.490 No No
XXXXXX-645     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-27-2025 813 813                                     813 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.68 37.65 42.3 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.98 75.09 75.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 2023.13 860.26 0 3507 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 52600 250 4 0.13230179028132993 No 0 7.240 No No
XXXXXX-646     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-19-2025 703 703                                     703 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.06 39.64 40.45 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.25 69.78 69.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 212.41 127.86 0 1899 HELOC - ARM 180 180 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22159 139 28 0.4874611801242236 No 0 12.240 No No
XXXXXX-647     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-02-2025 763 763     [Redacted] [Redacted] US Citizen 09-02-2025 727 727                     763 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.54 18.27 19.32 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 23.08 83.73 83.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 691.66 691.66 0 1570 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31413 472 10 0.23875904860392969 No 0 8.490 No No
XXXXXX-648     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 750 750                                     750 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.87 45.16 44.69 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.56 81.68 81.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 115.45 65.87 0 2064 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24885 155 9 0.069 No 0 7.490 No No
XXXXXX-649     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-12-2025 772 772     [Redacted] [Redacted] US Citizen 08-12-2025 742 742                     772 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 18.82 44.46 44.46 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.62 28.75 28.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1506.48 707.02 0 1105.24 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 167 3 0.25833333333333336 No 0 9.490 No No
XXXXXX-650     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-22-2025 657 657                                     657 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.77 52.21 47.69 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.34 9.34 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 469.48 286.88 0 1338 HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 25662 236 26 0.9338631619991284 No 0 13.490 No No
XXXXXX-651     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-29-2025 703 703     [Redacted] [Redacted] US Citizen 08-29-2025 758 758                     758 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.16 55 56.27 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.74 63.88 63.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 846.1 393.07 0 2336 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 4 9900 360 5 0.725655737704918 No 0 9.240 No No
XXXXXX-652     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-31-2025 712 712                                     712 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.53 55 54.15 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.99 29.36 29.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 1252.8 694.79 0 2243 HELOC - ARM 360 360 [Redacted] 7.5 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.24             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32000 495 13 0.6848057484239772 No 0 14.490 No No
XXXXXX-653     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-03-2025 700 700     [Redacted] [Redacted] US Citizen 09-03-2025 813 813                     813 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.67 28.45 31.88 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 22.11 62.34 62.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1433.67 638.64 0 1138 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 240 5 0.6770917647058824 No 0 8.240 No No
XXXXXX-654     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 728 728                                     728 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.29 42.42 44.65 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.98 76.24 76.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 456.04 456.04 0 2364 HELOC - ARM 180 180 [Redacted] 5.99 No Rounding 0.000 15 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 82 8 0.2225115562403698 No 0 13.240 No No
XXXXXX-655     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 830 830                                     830 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.1 26.2 25.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.58 86.54 86.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 206.53 117.54 0 2998 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 56631 231 12 0.014037267080745342 No 0 7.240 No No
XXXXXX-656     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-29-2025 815 815                                     815 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.35 19.89 22.29 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.16 25.64 25.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1664.03 699.14 0 1804 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23693 318 12 0.02905048076923077 No 0 6.990 No No
XXXXXX-657     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-05-2025 650 650                                     650 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.08 54.52 50 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.51 33.82 33.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 584.78 328.68 0 1910.68 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36097 2 27 0.5814302647175029 No 0 14.990 No No
XXXXXX-658     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-06-2025 819 819     [Redacted] [Redacted] US Citizen 09-06-2025 811 811                     819 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.45 6.73 9.4 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 30.60 84.95 84.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1621.86 1621.86 0 2719 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 58701 351 7 0.03842395587076438 No 0 8.240 No No
XXXXXX-659     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-12-2025 690 690                                     690 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.85 53.89 54.33 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.00 83.92 83.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 498.12 247.51 0 6186 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49894 454 13 0.4625631813920557 No 0 10.990 No No
XXXXXX-660     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-26-2025 706 706                                     706 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.01 41.23 43.92 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.09 59.80 59.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 1001.58 493.19 0 2135 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21500 210 6 0.8686374133949192 No 0 10.740 No No
XXXXXX-661     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-01-2025 745 745                                     745 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.57 55 53.31 [Redacted] Employed Manual Verification Paystub 1099 or Equivalent 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.57 72.11 72.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 809.47 412.88 0 1387 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38394 190 7 0.4356687898089172 No 0 11.740 No No
XXXXXX-662     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-03-2025 658 658                                     658 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.19 38.09 38.73 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.49 79.23 79.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.24 15.24 1135.0 642.09 0 4116 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 56031 213 9 0.904860088365243 No 0 15.240 No No
XXXXXX-663     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 654 654                                     654 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.87 50.48 48.79 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 0.89 24.42 24.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 114.54 71.68 0 821 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 55697 389 19 0.4921641134002465 No 0 15.490 No No
XXXXXX-664     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 682 682                                     682 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.22 54.99 54.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.59 54.80 54.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 553.45 293.9 0 445.17 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48947 238 8 0.760291785601015 No 0 12.990 No No
XXXXXX-665     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-06-2025 698 698                                     698 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.73 24.24 24.24 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.31 24.63 24.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 886.83 432.67 0 1109.59 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 257 4 0.4956425749477109 No 0 10.490 No No
XXXXXX-666     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-06-2025 659 659                                     659 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.66 33.38 30.44 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.19 6.19 6.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 244.37 145.36 0   HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5500 109 2 0.943375 No 0 11.240 No No
XXXXXX-667     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-07-2025 709 709                                     709 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.56 41.64 44.22 [Redacted] Employed Manual Verification Paystub W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.33 74.72 74.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 926.27 468.43 0 1326 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26374 184 5 0.7803317535545023 No 0 11.490 No No
XXXXXX-668     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-10-2025 771 771                                     771 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.86 54.99 54.99 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.55 15.87 15.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 273.15 157.47 0 166.37 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36000 293 6 0.28104856037816933 No 0 8.490 No No
XXXXXX-669     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-27-2025 766 766                                     766 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.04 42.57 43.32 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.15 65.19 65.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 597.74 257.18 0 1433 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 227 13 0.1684221748400853 No 0 7.490 No No
XXXXXX-670     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-01-2025 669 669     [Redacted] [Redacted] US Citizen 09-01-2025 731 731                     731 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 17.9 43.06 47.68 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 38.69 77.30 77.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 2530.0 1126.29 0 2071 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43528 314 6 0.9002738654147104 No 0 8.240 No No
XXXXXX-671     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-02-2025 721 721     [Redacted] [Redacted] US Citizen 09-02-2025 721 721                     721 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.09 49.98 51.89 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.01 82.25 82.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 709.43 315.82 0 1733 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29800 202 6 0.5589634146341463 No 0 8.240 No No
XXXXXX-672     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-02-2025 783 783     [Redacted] [Redacted] US Citizen 09-02-2025 707 707                     783 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.27 46.12 47.74 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 21.46 81.23 81.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 2773.52 1275.21 0 3172 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 199205 184 36 0.1161993046641393 No 0 8.990 No No
XXXXXX-673     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 780 780                                     780 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.98 40 35.65 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.02 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 969.73 412.34 0 2439 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27500 274 5 0.2745548961424332 No 0 7.240 No No
XXXXXX-674     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-06-2025 787 787     [Redacted] [Redacted] US Citizen 09-06-2025 798 798                     798 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.93 47.31 48.1 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 22.71 76.76 76.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1110.1 477.62 0 1590 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49017 178 16 0.05714760914760915 No 0 7.490 No No
XXXXXX-675     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-07-2025 764 764     [Redacted] [Redacted] US Citizen 09-07-2025 757 757                     764 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.27 34.54 36.7 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.60 49.94 49.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 499.21 209.74 0 1485 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48984 246 16 0.15246650906225373 No 0 6.990 No No
XXXXXX-676     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-08-2025 723 723                                     723 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.43 51.4 54.09 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.60 53.54 53.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1401.33 616.91 0 1837 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17188 279 9 0.643768561187916 No 0 7.990 No No
XXXXXX-677     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-09-2025 727 727                                     727 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.98 49.31 52.24 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.00 56.41 56.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 465.62 218.52 0 1267 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48272 162 24 0.14756976842819577 No 0 9.490 No No
XXXXXX-678     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-08-2025 705 705                                     705 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 29.42 38.67 33.73 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 24.94 24.94 24.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 750.86 750.86 0   HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4500 242 7 0.16545808966861597 No 0 8.240 No No
XXXXXX-679     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-09-2025 685 685                                     685 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.9 33.86 37.16 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 25.70 25.70 25.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 1062.08 572.55 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 72282 240 23 0.7604808548530722 No 0 13.490 No No
XXXXXX-680     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-09-2025 763 763     [Redacted] [Redacted] US Citizen 09-09-2025 772 772                     772 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.89 29.58 31.86 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 10.68 84.98 84.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1011.56 430.13 0 2470 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 267 10 0.32963796477495105 No 0 7.240 No No
XXXXXX-681     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-27-2025 766 766     [Redacted] [Redacted] US Citizen 08-27-2025 776 776                     776 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.68 41.44 43.85 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.53 84.40 84.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.81 188.95 0 1621 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19000 129 9 0.09553363764132287 No 0 6.990 No No
XXXXXX-682     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-02-2025 658 658     [Redacted] [Redacted] US Citizen 09-02-2025 655 655                     658 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.36 37.16 39.8 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 4.28 67.65 67.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 233.91 145.52 0 1299 HELOC - ARM 180 180 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 155 8 0.6537901990811639 No 0 14.990 No No
XXXXXX-683     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-04-2025 731 731     [Redacted] [Redacted] US Citizen 09-04-2025 707 707                     731 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.62 31.31 33.52 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 14.13 14.13 14.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 965.8 462.32 0   HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51997 373 8 0.5739910979228486 No 0 9.990 No No
XXXXXX-684     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-08-2025 828 828     [Redacted] [Redacted] US Citizen 09-08-2025 832 832                     832 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.99 16.59 15.59 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 10.74 23.82 23.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 499.21 209.74 0 552 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 201 5 0.0736521688228063 No 0 6.990 No No
XXXXXX-685     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-10-2025 714 714                                     714 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.64 25.83 24.92 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.13 72.29 72.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 1080.58 541.73 0 2976 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35150 61 5 0.8288177339901478 No 0 11.240 No No
XXXXXX-686     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-12-2025 666 666                                     666 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.01 24.4 26.14 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.80 18.40 18.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 1030.83 543.29 0 169 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7040 324 15 0.4557260155574762 No 0 12.740 No No
XXXXXX-687     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-12-2025 711 711                                     711 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.89 53.5 54.57 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.32 77.57 77.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1686.67 750.86 0 4706 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51988 48 25 0.06971295295766511 No 0 8.240 No No
XXXXXX-688     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-27-2025 729 729                                     729 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.55 49.91 54.15 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.49 80.95 80.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1103.57 507.4 0 1522 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25343 239 17 0.05609181424336855 No 0 8.990 No No
XXXXXX-689     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-29-2025 751 751                                     751 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.78 10.64 13.19 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 31.44 31.44 31.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 2436.25 1048.2 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19173 177 23 0.15653503184713377 No 0 7.490 No No
XXXXXX-690     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-03-2025 738 738                                     738 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.75 37.52 38.25 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.78 72.59 72.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 438.53 195.22 0 5983 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 80784 137 5 0.47775 No 0 8.240 No No
XXXXXX-691     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 796 796                                     796 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 18.52 34.71 38.63 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 24.25 77.76 77.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 941.55 441.89 0 852 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16900 380 4 0.2032394366197183 No 0 9.490 No No
XXXXXX-692     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-09-2025 779 779                                     779 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.67 28.53 30.1 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.27 35.04 35.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1256.84 565.68 0 651 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 4 61752 153 7 0.17067045454545454 No 0 8.490 No No
XXXXXX-693     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-11-2025 799 799                                     799 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.56 32.49 30.74 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 38.81 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1176.78 1176.78 0 1480 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32100 145 4 0.09791907514450868 No 0 7.240 No No
XXXXXX-694     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 731 731                                     731 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.86 40.31 44.84 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.96 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 749.88 375.94 0 1766 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33100 173 8 0.35965299684542584 No 0 11.240 No No
XXXXXX-695     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-05-2025 654 654                                     654 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.73 55 49.19 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.46 78.98 78.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 419.72 261.12 0 1541 HELOC - ARM 180 180 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26445 76 8 0.6118537859007833 No 0 14.990 No No
XXXXXX-696     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-09-2025 720 720     [Redacted] [Redacted] US Citizen 09-09-2025 758 758                     758 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.7 31.33 33.83 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Retired Manual Verification Retirement Income Doc Verified N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.91 3.91 3.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 249.61 141.71 0   HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21300 113 30 0.16076312576312576 No 0 6.990 No No
XXXXXX-697     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-30-2025 748 748                                     748 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.76 42.53 42.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.64 13.03 13.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 443.95 199.81 0 89.4 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 24875 269 24 0.11793914504386784 No 0 8.490 No No
XXXXXX-698     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-12-2025 818 818                                     818 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.85 48.05 49.75 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.68 37.31 37.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 525.5 231.34 0 1341 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23000 429 8 0.08038607376766632 No 0 7.990 No No
XXXXXX-699     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-18-2025 648 648                                     648 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.03 34.71 33.54 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.74 2.74 2.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 116.83 71.39 0   HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8807 312 10 0.7225210084033613 No 0 13.490 No No
XXXXXX-700     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-01-2025 724 724                                     724 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.92 39.4 39.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.64 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 311.67 185.39 0 2977 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27300 102 9 0.18182417582417582 No 0 11.240 No No
XXXXXX-701     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-27-2025 655 655     [Redacted] [Redacted] US Citizen 09-04-2025 725 725                     725 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.18 37.74 39.22 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 20.18 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 2240.25 1019.2 0 2139 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 83067 142 29 0.4566441245769014 No 0 8.740 No No
XXXXXX-702     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 666 666                                     666 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.42 46.75 47.82 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.67 4.67 4.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 175.4 103.12 0   HELOC - ARM 180 180 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11500 208 9 0.7655965909090909 No 0 10.240 No No
XXXXXX-703     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-06-2025 838 838                                     838 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.35 21.6 21 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.08 21.13 21.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1171.6 492.24 0 2627 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20000 373 2 0.11083333333333334 No 0 6.990 No No
XXXXXX-704     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-08-2025 665 665     [Redacted] [Redacted] US Citizen 09-08-2025 701 701                     701 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.56 52.29 50.12 [Redacted] Retired Manual Verification Retirement Income Doc Verified N/A 3 - Stated, Partially Verified Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 19.01 19.01 19.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 659.08 309.32 0   HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 27622 208 12 0.6912634955052627 No 0 9.490 No No
XXXXXX-705     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-09-2025 645 645                                     645 [Redacted] [Redacted] WY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.38 43.28 44.92 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.36 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 566.16 354.32 0 2323 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46365 110 13 0.5617689015691869 No 0 15.490 No No
XXXXXX-706     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-12-2025 640 640     [Redacted] [Redacted] US Citizen 09-12-2025 641 641                     641 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.1 30.05 30.05 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.60 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 137.82 86.25 0 927.43 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34521 116 15 0.4908240705251054 No 0 15.490 No No
XXXXXX-707     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-12-2025 765 765                                     765 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.6 27.09 26.13 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.90 31.66 31.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 174.39 99.01 0 962.53 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19000 187 4 0.15306306306306305 No 0 6.990 No No
XXXXXX-708     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-17-2025 756 756                                     756 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.21 39.44 42.75 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.74 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 535.01 535.01 0 3502.82 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48653 239 9 0.3245939675174014 No 0 10.490 No No
XXXXXX-709     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 756 756                                     756 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.38 54.79 52.23 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.70 46.07 46.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 864.88 376.45 0 2154 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19900 142 11 0.20947209653092005 No 0 7.740 No No
XXXXXX-710     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-08-2025 657 657                                     657 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.29 45.75 47.53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.07 77.82 77.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 1103.75 612.13 0 1704 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15741 224 7 0.9544873949579832 No 0 14.490 No No
XXXXXX-711     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-07-2025 644 644                                     644 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.95 51.54 52.83 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.55 70.57 70.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 751.24 416.63 0 2351 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19742 162 9 0.7267349926793558 No 0 14.490 No No
XXXXXX-712     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-13-2025 771 771     [Redacted] [Redacted] US Citizen 09-13-2025 747 747                     771 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.3 16.47 19.46 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 33.64 64.83 64.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2627.5 1156.71 0 2014 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 75000 446 3 0.7971757489758085 No 0 7.990 No No
XXXXXX-713     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-14-2025 799 799     [Redacted] [Redacted] US Citizen 09-14-2025 796 796                     799 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 0.87 18.76 19.13 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 2.60 34.67 34.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 83.21 47.24 0 797 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15400 227 10 0.2593692022263451 No 0 6.990 No No
XXXXXX-714     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-14-2025 719 719                                     719 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.18 53.28 54.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.89 37.49 37.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 1957.5 989.95 0 4314 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 46500 436 9 0.4755593886766983 No 0 11.490 No No
XXXXXX-715     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-14-2025 646 646                                     646 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.82 50.52 49.6 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.82 77.12 77.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 1145.42 652.12 0 2371 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23800 152 10 0.6276037256562236 No 0 15.490 No No
XXXXXX-716     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-15-2025 689 689                                     689 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 25.54 42.39 42.54 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.16 17.16 17.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 572.55 572.55 0   HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13945 244 4 0 No 0 13.490 No No
XXXXXX-717     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-15-2025 708 708                                     708 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.26 18.48 17.8 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 38.87 69.22 69.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 495.89 496.14 0 493 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 160 5 0.27907801418439715 No 0 8.740 No No
XXXXXX-718     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-20-2025 650 650                                     650 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.01 20.48 19.51 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.34 49.59 49.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 1010.0 523.78 0 1896 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41806 210 3 0.8933774834437086 No 0 12.240 No No
XXXXXX-719     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-27-2025 780 780                                     780 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.62 26.7 27.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.85 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 698.03 327.64 0 1823 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30731 263 13 0.17055478502080443 No 0 9.490 No No
XXXXXX-720     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-04-2025 743 743                                     743 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.08 40.53 45.36 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.82 55.08 55.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 126.44 71.96 0 2130 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 26300 180 6 0.22166931637519874 No 0 7.240 No No
XXXXXX-721     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-09-2025 831 831                                     831 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 39.75 49.99 46.13 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.07 17.45 17.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 928.03 928.03 0 108 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7000 477 3 0.023263157894736843 No 0 6.990 No No
XXXXXX-722     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-10-2025 728 728                                     728 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 30.53 48.5 49.92 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.34 18.57 18.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1379.52 673.04 0 987 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23345 350 5 0.522264705882353 No 0 10.490 No No
XXXXXX-723     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-14-2025 671 671                                     671 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.2 32.77 34.54 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.40 74.83 74.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.24 14.24 568.53 313.19 0 2059 HELOC - ARM 360 360 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18554 358 11 0.8974171029668412 No 0 14.240 No No
XXXXXX-724     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-15-2025 798 798     [Redacted] [Redacted] US Citizen 09-15-2025 757 757                     798 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.45 47.93 47.39 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 16.06 79.06 79.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 699.19 699.19 0 2857 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18300 144 2 0.06592941176470589 No 0 6.990 No No
XXXXXX-725     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-15-2025 685 685     [Redacted] [Redacted] US Citizen 09-15-2025 697 697                     697 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.15 23.6 23.05 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 4.39 71.29 71.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 221.17 134.76 0 1093 HELOC - ARM 180 180 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4000 124 6 0.38565349544072947 No 0 13.240 No No
XXXXXX-726     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-03-2025 696 696                                     696 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.04 49.38 51.94 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.99 84.58 84.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 968.33 485.52 0 4595 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49979 285 16 0.4179261325639605 No 0 11.240 No No
XXXXXX-727     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-16-2025 809 809                                     809 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.51 50.45 52.35 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.95 64.44 64.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 264.72 151.04 0 1283 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22000 161 5 0.1366451612903226 No 0 7.490 No No
XXXXXX-728     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-16-2025 703 703                                     703 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.73 37.29 41.67 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.04 69.12 69.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1832.5 877.3 0 1665 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43114 230 21 0.7126969696969697 No 0 9.990 No No
XXXXXX-729     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-16-2025 695 695                                     695 [Redacted] [Redacted] NH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.23 44.6 48.61 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.26 36.74 36.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.24 15.24 596.74 337.65 0 1498 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19777 246 5 0.19357612544258979 No 0 15.240 No No
XXXXXX-730     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-21-2025 724 724                                     724 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.98 22.86 22.01 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.60 84.27 84.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 345.22 199.02 0 1275 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 169 7 0.2939060402684564 No 0 8.490 No No
XXXXXX-731     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-08-2025 707 707                                     707 [Redacted] [Redacted] SD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.86 26.06 28.74 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 27.77 27.77 27.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 886.78 394.77 0   HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 11161 263 6 0.868 No 0 8.240 No No
XXXXXX-732     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-09-2025 654 654                                     654 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.91 29.18 33.22 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.07 78.96 78.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 519.78 267.39 0 946 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 2500 177 9 0.44727753692409433 No 0 11.990 No No
XXXXXX-733     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-10-2025 720 720                                     720 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.69 54.99 54.3 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.05 74.93 74.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 1570.86 871.34 0 1804 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36831 161 9 0.46642512077294684 No 0 14.490 No No
XXXXXX-734     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-14-2025 750 750                                     750 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.3 47.07 47.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.67 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 307.25 181.18 0 3574 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 68615 206 18 0.2016111135768497 No 0 10.490 No No
XXXXXX-735     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-17-2025 756 756                                     756 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.53 42.82 40.64 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.24 78.55 78.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 432.72 432.72 0 1241 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24576 105 11 0.1526480836236934 No 0 10.490 No No
XXXXXX-736     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-14-2025 749 749     [Redacted] [Redacted] US Citizen 08-14-2025 736 736                     749 [Redacted] [Redacted] OR [Redacted] [Redacted] Investment Refinance Cash Out - Home Improvement/Reno 3.1 20.51 17.48 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 20.96 31.13 31.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 1386.27 695.07 0 694.02 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 210000 483 6 0.8585699491527117 No 0 11.240 No No
XXXXXX-737     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-14-2025 764 764     [Redacted] [Redacted] US Citizen 09-14-2025 794 794                     794 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.64 42.54 38.59 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 20.59 54.36 54.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 451.56 451.56 0 733 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16334 138 4 0.24489977728285078 No 0 9.740 No No
XXXXXX-738     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-01-2025 703 703                                     703 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.11 55 53.5 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.78 41.66 41.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1296.35 620.62 0 2188 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36905 263 25 0.19281006900472955 No 0 9.990 No No
XXXXXX-739     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-16-2025 751 751     [Redacted] [Redacted] US Citizen 09-16-2025 692 692                     751 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3 37.64 37.84 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 13.54 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 753.36 331.68 0 1700 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 75284 251 17 0.22149583980981988 No 0 7.990 No No
XXXXXX-740     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-11-2025 645 645     [Redacted] [Redacted] US Citizen 09-11-2025 721 721                     721 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.07 30.9 34.64 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 20.69 87.67 87.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 954.28 469.96 0 1178 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37161 157 18 0.3935163210165036 No 0 10.740 No No
XXXXXX-741     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-16-2025 645 645     [Redacted] [Redacted] US Citizen 09-16-2025 692 692                     692 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.88 55 54.88 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 5.95 78.68 78.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 687.63 356.65 0 2911 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 45709 207 22 0.43446920052424637 No 0 12.240 No No
XXXXXX-742     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-21-2025 693 693                                     693 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.79 51.23 51.77 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.47 56.80 56.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 531.79 275.43 0 1373 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13250 181 4 0.2806 No 0 12.240 No No
XXXXXX-743     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-18-2025 646 646                                     646 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.81 55 52.98 [Redacted] Employed Manual Verification 1099 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.49 77.16 77.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 727.04 408.71 0 714 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 247 15 0.6121423948220065 No 0 14.990 No No
XXXXXX-744     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-12-2025 735 735     [Redacted] [Redacted] US Citizen 09-12-2025 767 767                     767 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.45 43.81 48.11 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 23.27 87.20 87.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1624.17 698.86 0 1667 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41951 163 15 0.19691497366440933 No 0 7.490 No No
XXXXXX-745     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-15-2025 736 736                                     736 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.32 27.98 30.73 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 28.23 28.23 28.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 748.82 314.64 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25396 131 9 0.5350855745721271 No 0 6.990 No No
XXXXXX-746     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-09-2025 806 806                                     806 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.76 41.48 39.96 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 33.53 83.32 83.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 881.84 881.84 0 1593 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29000 115 5 0.0017276422764227642 No 0 7.490 No No
XXXXXX-747     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-16-2025 759 759                                     759 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.72 22.28 25.88 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.93 61.44 61.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1189.32 580.32 0 943 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23000 225 16 0.2087209730925175 No 0 10.490 No No
XXXXXX-748     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-19-2025 701 701                                     701 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.2 34.65 33.8 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.58 73.92 73.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1749.17 804.32 0 9074 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19000 235 17 0.45538380927429917 No 0 8.990 No No
XXXXXX-749     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-19-2025 737 737     [Redacted] [Redacted] US Citizen 09-19-2025 803 803                     803 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.71 39.13 39.13 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 15.70 68.63 68.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1249.5 525.01 0 1044.28 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19500 177 13 0.2737791798107255 No 0 6.990 No No
XXXXXX-750     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-20-2025 712 712                                     712 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.3 53.57 48.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 22.86 39.92 39.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 385.61 385.61 0 623 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9656 169 2 0.7386 No 0 7.990 No No
XXXXXX-751     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-08-2025 708 708                                     708 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.61 54.72 53.04 [Redacted] Employed Manual Verification W2 W2 or Equivalent 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.09 71.14 71.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 199.83 199.83 0 1054 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15790 227 6 0.23138801261829653 No 0 8.490 No No
XXXXXX-752     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-11-2025 701 701                                     701 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.84 45.92 44.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.32 59.33 59.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 1235.01 624.57 0 2073 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28800 217 6 0.7065224283775728 No 0 11.490 No No
XXXXXX-753     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-12-2025 715 715                                     715 [Redacted] [Redacted] WY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.63 30.5 30.5 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.80 38.13 38.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 545.22 248.05 0 230.78 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20484 162 5 0.002325581395348837 No 0 8.740 No No
XXXXXX-754     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-15-2025 650 650                                     650 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.4 39.11 39.91 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.20 55.92 55.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 978.75 495.04 0 1348 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11500 159 16 0.6549280549616854 No 0 11.490 No No
XXXXXX-755     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-18-2025 649 649                                     649 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.56 25.4 29.22 [Redacted] Retired Manual Verification Retirement Income Doc Verified N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.89 3.89 3.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 290.37 177.46 0   HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11365 129 5 0.31272727272727274 No 0 13.490 No No
XXXXXX-756     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-18-2025 650 650     [Redacted] [Redacted] US Citizen 09-18-2025 695 695                     695 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.47 35.48 37.13 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.03 76.69 76.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 595.62 339.16 0 2378 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24610 143 6 0.5825931928687196 No 0 15.490 No No
XXXXXX-757     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-19-2025 668 668                                     668 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.96 37.33 37.32 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 34.79 72.48 72.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.19 0 636 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 55000 80 24 0.7041195017315346 No 0 14.990 No No
XXXXXX-758     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-19-2025 710 710                                     710 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.36 33.62 38.6 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.52 70.46 70.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 770.77 369.0 0 1430 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 69055 166 14 0.24258932863323185 No 0 9.990 No No
XXXXXX-759     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-19-2025 790 790                                     790 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.97 44.32 46.94 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.10 70.13 70.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 394.15 232.42 0 1253 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15773 113 9 0.0061818181818181816 No 0 10.490 No No
XXXXXX-760     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-21-2025 708 708                                     708 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5 49.91 52.29 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.19 83.12 83.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 487.76 235.76 0 2258 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50352 168 10 0.4847457627118644 No 0 10.240 No No
XXXXXX-761     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-02-2025 640 640     [Redacted] [Redacted] US Citizen 09-02-2025 725 725                     725 [Redacted] [Redacted] AK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.41 31.32 31.9 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 2.46 56.11 56.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 177.35 101.98 0 2396 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24212 127 13 0.5887104622871047 No 0 8.240 No No
XXXXXX-762     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-18-2025 815 815                                     815 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.26 34.66 38.86 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.20 64.85 64.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 191.9 191.9 0 3035.54 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24000 142 8 0.004964539007092199 No 0 7.240 No No
XXXXXX-763     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-18-2025 780 780                                     780 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.88 30.45 29.5 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.29 16.29 16.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 700.89 700.89 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 19000 104 9 0.13784110535405872 No 0 6.990 No No
XXXXXX-764     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-19-2025 794 794                                     794 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.38 51.49 52.89 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.13 69.10 69.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 969.06 463.94 0 2455 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38100 203 7 0.20301255230125523 No 0 9.990 No No
XXXXXX-765     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-18-2025 743 743                                     743 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.88 24.58 27.14 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.37 18.12 18.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1401.33 616.97 0 3553.69 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10752 249 13 0.31992990654205605 No 0 7.990 No No
XXXXXX-766     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-22-2025 693 693     [Redacted] [Redacted] US Citizen 09-22-2025 695 695                     695 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.85 45.9 49.99 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 9.86 81.93 81.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 660.76 350.94 0 1797 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16074 185 2 0.42816631130063965 No 0 12.990 No No
XXXXXX-767     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-22-2025 784 784                                     784 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.28 24.46 25.79 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.13 40.85 40.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 667.96 280.66 0 1280.69 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 27800 200 5 0.19604353393085788 No 0 6.990 No No
XXXXXX-768     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-22-2025 795 795                                     795 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.7 32.09 35.65 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.02 87.38 87.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 932.21 396.42 0 2751 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31000 106 12 0.09170951156812339 No 0 7.240 No No
XXXXXX-769     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-15-2025 710 710                                     710 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.86 55 53.01 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.02 38.31 38.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 676.27 304.41 0 1278 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27756 267 6 0.7546719160104987 No 0 8.490 No No
XXXXXX-770     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 788 788                                     788 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.98 26.95 31.04 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1130.69 503.4 0   HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 53421 335 16 0.12724251728547253 No 0 8.240 No No
XXXXXX-771     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-12-2025 804 804                                     804 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.13 41.36 43.78 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 23.01 64.47 64.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1588.44 1588.44 0 2874 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40000 242 8 0.1521878787878788 No 0 8.240 No No
XXXXXX-772     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-19-2025 673 673                                     673 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.33 54.1 49.67 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.43 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 733.03 367.49 0 2219 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24408 299 22 0.6479232111692844 No 0 11.240 No No
XXXXXX-773     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-02-2025 684 684                                     684 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.51 54.56 53.87 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.55 79.83 79.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 354.76 220.74 0 1325 HELOC - ARM 180 180 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 433 18 0.5616840167941566 No 0 14.990 No No
XXXXXX-774     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-15-2025 698 698                                     698 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.79 55 54.85 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.60 71.53 71.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 549.5 549.5 0 2018 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13900 202 11 0.49162105263157896 No 0 14.990 No No
XXXXXX-775     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-21-2025 730 730                                     730 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.23 35.74 38.09 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.12 85.75 85.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 954.82 452.66 0 1610 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32382 115 18 0.1925735294117647 No 0 9.740 No No
XXXXXX-776     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 850 850                                     850 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.18 53.35 52.24 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 27.23 71.67 71.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 698.86 698.86 0 1302 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 321 11 0.0328879753340185 No 0 7.490 No No
XXXXXX-777     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-25-2025 779 779     [Redacted] [Redacted] US Citizen 09-25-2025 750 750                     779 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.66 5.51 9.66 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1588.24 730.32 0   HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4000 171 2 0.002238805970149254 No 0 8.990 No No
XXXXXX-778     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 736 736                                     736 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.04 29.82 33.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.64 82.03 82.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 1195.58 588.8 0 1880 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14866 147 6 0.3457142857142857 No 0 10.740 No No
XXXXXX-779     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 749 749                                     749 [Redacted] [Redacted] MT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.16 43.65 48.43 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.86 58.58 58.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 691.9 301.18 0 1775 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20720 155 3 0.356 No 0 7.740 No No
XXXXXX-780     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-22-2025 726 726                                     726 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.49 30.98 30.64 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.09 68.17 68.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 121.09 69.26 0 1656 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27528 144 3 0.7863809523809524 No 0 7.740 No No
XXXXXX-781     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-18-2025 807 807     [Redacted] [Redacted] US Citizen 09-18-2025 717 717                     807 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.46 39.78 43 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 24.68 52.22 52.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1497.63 629.27 0 2180 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 58006 274 7 0.3668061366806137 No 0 6.990 No No
XXXXXX-782     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 706 706                                     706 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.22 38.22 39.59 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.27 17.17 17.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 516.76 261.37 0 873 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22000 228 19 0.26059158090226725 No 0 11.490 No No
XXXXXX-783     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 724 724                                     724 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.09 30.29 31.99 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.28 44.23 44.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 177.35 101.98 0 631 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23807 207 7 0.11976470588235294 No 0 8.240 No No
XXXXXX-784     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-24-2025 696 696     [Redacted] [Redacted] US Citizen 09-24-2025 736 736                     736 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.63 19.1 19.1 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 18.25 48.99 48.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 886.78 394.81 0 141.47 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41931 229 14 0.19527863777089782 No 0 8.240 No No
XXXXXX-785     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 694 694                                     694 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.03 51.42 53.01 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.16 63.17 63.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.74 13.74 907.46 492.86 0 4039 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 117275 312 22 0.39904608046772827 No 0 13.740 No No
XXXXXX-786     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 784 784                                     784 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.94 19.18 20.02 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.01 41.68 41.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 137.28 77.95 0 770 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 137 6 0.33564356435643566 No 0 6.990 No No
XXXXXX-787     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-22-2025 747 747                                     747 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.22 40.77 43.41 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.62 51.15 51.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1695.75 721.11 0 3806 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 62015 203 11 0.26829403606102636 No 0 7.240 No No
XXXXXX-788     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-22-2025 850 850                                     850 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.75 55 52.82 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 34.97 34.97 34.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 656.4 656.4 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 15993 252 6 0.08375451263537906 No 0 6.990 No No
XXXXXX-789     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 822 822                                     822 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.59 26.06 24.1 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.64 60.43 60.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 699.19 699.19 0 1849 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15100 213 1 0.02986754966887417 No 0 6.990 No No
XXXXXX-790     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-23-2025 681 681                                     681 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 0.95 21.76 20.84 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.82 24.48 24.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 118.24 69.73 0 1228 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45089 312 16 0.1569937369519833 No 0 10.490 No No
XXXXXX-791     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-26-2025 799 799     [Redacted] [Redacted] US Citizen 09-26-2025 746 746                     799 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.74 37.62 41.07 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 9.72 58.94 58.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1751.66 771.21 0 2490 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 54000 302 6 0.3764379562043796 No 0 7.990 No No
XXXXXX-792     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-26-2025 780 780                                     780 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.96 19.74 19.74 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.21 52.81 52.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 558.36 259.43 0 13.42 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43814 137 7 0.06382278481012658 No 0 9.240 No No
XXXXXX-793     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-28-2025 825 825     [Redacted] [Redacted] US Citizen 09-28-2025 829 829                     829 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.08 18.42 17.8 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 22.31 64.12 64.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 632.93 632.93 0 2017 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6250 228 1 0.05136 No 0 6.990 No No
XXXXXX-794     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-28-2025 688 688                                     688 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.02 36.29 39.15 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.60 74.00 74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 999.58 514.21 0 1417 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48001 308 6 0.8762632978723405 No 0 11.990 No No
XXXXXX-795     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 672 672                                     672 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.99 22.61 23.37 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.50 1.50 1.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 105.11 63.09 0   HELOC - ARM 180 180 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17465 290 5 1.007168458781362 No 0 11.990 No No
XXXXXX-796     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 704 704                                     704 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.39 51.02 49.94 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.46 79.61 79.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 1160.62 643.78 0 1099 HELOC - ARM 360 360 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44835 185 9 0.5669601677148847 No 0 14.490 No No
XXXXXX-797     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-06-2025 686 686                                     686 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.84 42.76 44.32 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.41 79.99 79.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 947.5 466.62 0 6140 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34702 197 20 0.5259952142701761 No 0 10.740 No No
XXXXXX-798     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-18-2025 679 679                                     679 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.98 54.99 54.61 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.87 31.56 31.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 460.54 278.93 0 1979 HELOC - ARM 180 180 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16998 182 6 0.6737437603993345 No 0 12.740 No No
XXXXXX-799     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-20-2025 804 804                                     804 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.33 40.37 40.37 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.41 30.29 30.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 83.21 47.24 0 197.47 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 19500 337 5 0.2055078125 No 0 6.990 No No
XXXXXX-800     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-22-2025 715 715     [Redacted] [Redacted] US Citizen 09-22-2025 722 722                     722 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.67 20.82 21.15 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.08 87.56 87.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 715.56 322.09 0 2142 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32471 255 12 0.07715164798111776 No 0 8.490 No No
XXXXXX-801     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 805 805                                     805 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.5 31.39 32.7 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.66 84.26 84.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 596.54 250.66 0 3335 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 12400 121 3 0.14438178859327103 No 0 6.990 No No
XXXXXX-802     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 674 674                                     674 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 20.58 41.02 43.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.36 26.29 26.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 936.09 456.76 0 366 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7000 178 9 0.5979929577464789 No 0 10.490 No No
XXXXXX-803     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-23-2025 809 809     [Redacted] [Redacted] US Citizen 09-23-2025 778 778                     809 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.73 23.01 26.43 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 5.89 36.57 36.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.8 0 1114 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 79547 194 4 0.13358878504672897 No 0 6.990 No No
XXXXXX-804     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-27-2025 715 715                                     715 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.44 39.27 38.43 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.64 15.64 15.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 355.69 202.95 0   HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 26233 237 39 0.34388771506187743 No 0 7.490 No No
XXXXXX-805     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-28-2025 682 682                                     682 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.03 42.07 45.85 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.20 67.46 67.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 814.57 451.84 0 971 HELOC - ARM 360 360 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7500 104 16 0.4769108910891089 No 0 14.490 No No
XXXXXX-806     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 723 723                                     723 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.74 33.79 34.74 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.72 74.50 74.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 889.9 396.2 0 1925 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36787 175 12 0.46016949152542375 No 0 8.240 No No
XXXXXX-807     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 660 660                                     660 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.12 47.76 48.89 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.40 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 272.89 169.8 0 2079 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 59694 124 15 0.5047012987012987 No 0 14.990 No No
XXXXXX-808     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-31-2025 728 728                                     728 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.83 53.36 52.56 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.18 84.17 84.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 536.5 280.52 0 2382 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38728 251 12 0.2044740548152963 No 0 12.490 No No
XXXXXX-809     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-30-2025 682 682     [Redacted] [Redacted] US Citizen 09-30-2025 735 735                     735 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.77 41.25 41.65 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 6.05 16.98 16.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 335.03 197.56 0 1326 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateFirstBusDay 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16000 382 7 0.909678076609617 No 0 10.490 No No
XXXXXX-810     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-05-2025 662 662                                     662 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.38 43.15 44.17 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.95 74.85 74.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 1103.75 612.13 0 1001 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27525 135 18 0.4176769830632387 No 0 14.490 No No
XXXXXX-811     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-11-2025 671 671                                     671 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.77 29.23 31.5 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.93 6.41 6.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 937.08 457.24 0 468 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44084 306 10 0.5490306122448979 No 0 10.490 No No
XXXXXX-812     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 662 662                                     662 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.82 54.99 53.57 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.17 68.56 68.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.99 13.99 366.5 200.49 0 1677 HELOC - ARM 180 180 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29078 76 29 0.40761849983006093 No 0 13.990 No No
XXXXXX-813     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-17-2025 682 682     [Redacted] [Redacted] US Citizen 09-25-2025 680 680                     682 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.81 25.44 24.04 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.27 37.76 37.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 233.86 137.5 0 673 HELOC - ARM 180 180 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12385 215 6 0.636656346749226 No 0 10.240 No No
XXXXXX-814     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 727 727                                     727 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.42 35.7 34.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.88 46.01 46.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 235.88 135.64 0 904 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26600 201 3 0.8034769230769231 No 0 8.240 No No
XXXXXX-815     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-27-2025 814 814                                     814 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.64 30.44 30.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.89 34.38 34.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.8 0 1124 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13800 264 6 0.29797327394209355 No 0 6.990 No No
XXXXXX-816     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-27-2025 762 762                                     762 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.23 28.36 29.72 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.09 8.66 8.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 337.19 191.91 0 1207 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33054 298 6 0.5461147902869757 No 0 7.240 No No
XXXXXX-817     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-28-2025 700 700     [Redacted] [Redacted] US Citizen 09-28-2025 833 833                     833 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 19.41 43.57 46.37 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 19.91 78.23 78.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1276.65 580.87 0 1372 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34122 142 13 0.2122365563928982 No 0 8.740 No No
XXXXXX-818     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 736 736                                     736 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.72 43.7 48.42 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.60 5.60 5.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 952.5 451.56 0   HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 4 24798 147 10 0.27423437955059704 No 0 9.740 No No
XXXXXX-819     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 835 835                                     835 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.61 44.89 45.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.26 57.41 57.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.49 6.49 330.73 330.73 0 1112.28 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33248 260 3 0.1893953488372093 No 0 6.490 No No
XXXXXX-820     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 688 688                                     688 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 20.39 53.74 55.86 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.88 78.77 78.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 709.19 352.44 0 885 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17429 214 1 0 No 0 10.990 No No
XXXXXX-821     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-30-2025 700 700     [Redacted] [Redacted] US Citizen 09-30-2025 824 824                     824 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.69 33.85 36.34 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.77 84.90 84.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 684.94 294.72 0 1565 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22000 238 6 0.6737758112094395 No 0 7.490 No No
XXXXXX-822     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-30-2025 749 749                                     749 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.96 21.93 22.46 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.72 46.90 46.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 252.89 143.94 0 1780 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28966 498 8 0.31598360655737706 No 0 7.240 No No
XXXXXX-823     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-17-2025 692 692                                     692 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.7 50.91 48.64 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.10 19.39 19.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 584.78 328.74 0 388.12 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25064 307 26 0.7065367776661676 No 0 14.990 No No
XXXXXX-824     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-23-2025 683 683                                     683 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.21 51.65 54.34 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.02 87.21 87.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 893.45 481.72 0 3530 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26787 215 20 0.65205 No 0 13.490 No No
XXXXXX-825     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-26-2025 763 763                                     763 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.6 3.1 2.6 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.84 1.84 1.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 90.87 52.53 0   HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 500 154 1 0 No 0 8.740 No No
XXXXXX-826     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-29-2025 769 769     [Redacted] [Redacted] US Citizen 09-29-2025 732 732                     769 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.87 39.58 39.03 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.77 80.29 80.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 492.68 240.4 0 1380 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18240 157 9 0.4172817863074368 No 0 10.490 No No
XXXXXX-827     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-01-2025 665 665                                     665 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.51 34.63 37.03 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 25.23 64.73 64.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 1020.42 533.54 0 878 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29609 177 9 0.9840314136125654 No 0 12.490 No Yes
XXXXXX-828     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 650 650                                     650 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.53 43.35 46.52 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.50 31.85 31.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 327.25 203.63 0 297 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40000 141 7 0.90530679933665 No 0 14.990 No No
XXXXXX-829     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-27-2025 671 671     [Redacted] [Redacted] US Citizen 09-27-2025 741 741                     741 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.93 42.84 45.66 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 21.90 21.90 21.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 930.6 432.38 0   HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 16800 260 13 0.5321017761184367 No 0 9.240 No No
XXXXXX-830     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-26-2025 726 726                                     726 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.58 47.07 48.55 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.84 50.45 50.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 268.2 154.63 0 2648 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12698 177 5 0.5063793103448276 No 0 8.490 No No
XXXXXX-831     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-30-2025 802 802                                     802 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.2 25.17 27.53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.91 60.86 60.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1664.03 699.19 0 7619 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 68781 297 6 0.16208303587217793 No 0 6.990 No No
XXXXXX-832     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-01-2025 717 717                                     717 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.13 34.06 36.58 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.06 51.69 51.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 367.86 213.25 0 913 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 59346 271 8 0.5056332703213611 No 0 8.990 No No
XXXXXX-833     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 677 677                                     677 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.71 33.54 36.88 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.69 33.24 33.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.74 14.74 707.03 394.84 0 1955 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10356 179 10 0.9817458343695598 No 0 14.740 No No
XXXXXX-834     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-11-2025 700 700                                     700 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.66 41.66 44.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.27 52.50 52.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 442.35 269.49 0 1120 HELOC - ARM 180 180 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16500 167 9 0.6375447570332481 No 0 13.240 No No
XXXXXX-835     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-30-2025 664 664                                     664 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.3 54.3 52.02 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.69 47.53 47.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 631.82 632.19 0 827 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28700 134 8 0.7380349708576186 No 0 14.990 No No
XXXXXX-836     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-30-2025 813 813                                     813 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.98 48.19 49.53 [Redacted] Employed Manual Verification Tax Return/Transcript 1099 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.63 57.30 57.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 252.89 143.94 0 1209 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24816 377 17 0.046549433372411096 No 0 7.240 No No
XXXXXX-837     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-30-2025 697 697                                     697 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.72 49.63 44.36 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.02 65.04 65.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 1103.75 612.24 0 5790 HELOC - ARM 360 360 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27387 46 10 0.43537284894837475 No 0 14.490 No No
XXXXXX-838     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-01-2025 670 670     [Redacted] [Redacted] US Citizen 10-01-2025 712 712                     712 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.07 49.21 50.97 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 15.96 15.96 15.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1026.14 476.77 0   HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 38248 194 7 0.4748641975308642 No 0 9.240 No No
XXXXXX-839     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 731 731                                     731 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.02 37.04 40.34 [Redacted] Employed Manual Verification Paystub Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.92 50.90 50.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 1394.85 686.93 0 953 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20625 231 19 0.32059548712198 No 0 10.740 No No
XXXXXX-840     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 748 748                                     748 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.54 23.12 25.97 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.09 73.74 73.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 614.7 270.64 0 1052 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 0 47 0 0 No 0 7.990 No No
XXXXXX-841     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-03-2025 659 659     [Redacted] [Redacted] US Citizen 10-03-2025 675 675                     675 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 19.49 19.56 23.55 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 11.84 11.84 11.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 893.45 481.72 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8800 201 9 0.2696418732782369 No 0 13.490 No No
XXXXXX-842     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-05-2025 694 694                                     694 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.68 33.25 37.69 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.04 75.68 75.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 451.66 281.04 0 1292 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23697 147 25 0.23040051265619993 No 0 14.990 No No
XXXXXX-843     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-15-2025 673 673     [Redacted] [Redacted] US Citizen 09-15-2025 742 742                     742 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.88 23.24 26.22 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.67 8.67 8.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 443.95 199.83 0   HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 364 12 0.28815383457514865 No 0 8.490 No No
XXXXXX-844     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-17-2025 723 723     [Redacted] [Redacted] US Citizen 09-17-2025 774 774                     774 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 18.62 48.42 49.22 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 9.46 43.55 43.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1790.83 840.57 0 1679 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30500 155 7 0.27461329715061056 No 0 9.490 No No
XXXXXX-845     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 656 656                                     656 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.87 55 51 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.25 58.57 58.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 335.19 200.6 0 1463 HELOC - ARM 180 180 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 15101 261 3 0.9656084656084656 No 0 11.740 No No
XXXXXX-846     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-28-2025 842 842                                     842 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.18 23.75 24.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.78 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1623.64 682.22 0 3158 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 118 5 0.04568345323741007 No 0 6.990 No No
XXXXXX-847     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 770 770                                     770 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.59 30.47 30.78 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.38 31.22 31.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 266.24 151.17 0 1346 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26024 96 7 0.10088383838383838 No 0 6.990 No No
XXXXXX-848     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-04-2025 658 658                                     658 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.43 41.93 45.52 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.97 76.95 76.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.19 0 2481 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 332 32 0.5642292870905588 No 0 14.990 No No
XXXXXX-849     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-05-2025 789 789                                     789 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.28 55 54.48 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.74 76.36 76.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1391.29 633.03 0 5731 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27390 232 13 0.2551768680445151 No 0 8.740 No No
XXXXXX-850     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-06-2025 779 779                                     779 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.33 13.23 17.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 23.64 72.74 72.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1167.06 525.32 0 789 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32801 137 4 0.3664507042253521 No 0 8.490 No No
XXXXXX-851     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-21-2025 725 725     [Redacted] [Redacted] US Citizen 09-21-2025 777 777                     777 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.85 27.36 31.03 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 10.74 71.19 71.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 799.03 355.74 0 1438 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20594 260 7 0.330954128440367 No 0 8.240 No No
XXXXXX-852     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-01-2025 815 815     [Redacted] [Redacted] US Citizen 10-01-2025 731 731                     815 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.54 41.87 42.96 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.74 75.62 75.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.81 188.96 0 3991 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8400 209 11 0.19465753424657534 No 0 6.990 No No
XXXXXX-853     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 706 706                                     706 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.29 22.6 25.22 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 21.93 52.00 52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 1009.21 1009.21 0 1371.49 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47291 469 14 0.4155905980362987 No 0 11.740 No No
XXXXXX-854     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-03-2025 846 846                                     846 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.15 15.95 16.54 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.95 49.99 49.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 359.1 207.04 0 2398 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25600 196 2 0.022568181818181817 No 0 8.490 No No
XXXXXX-855     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-04-2025 709 709                                     709 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.56 27.07 23.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.73 13.73 13.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1346.61 606.14 0   HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13081 97 13 0.15598134517053436 No 0 8.490 No No
XXXXXX-856     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-06-2025 735 735                                     735 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.99 39.93 35.14 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.97 56.04 56.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 1832.81 918.97 0 3523 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45000 243 6 0.597120786516854 No 0 11.240 No No
XXXXXX-857     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-22-2025 656 656     [Redacted] [Redacted] US Citizen 09-20-2025 646 646                     656 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.96 45.7 46.53 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 10.79 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 436.27 271.46 0 1045 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28387 89 8 0.9931104783999437 No 0 14.990 No No
XXXXXX-858     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-19-2025 763 763                                     763 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.1 32.9 34.24 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.34 44.17 44.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 199.68 113.38 0 989 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 159067 103 9 0.1299859943977591 No 0 6.990 No No
XXXXXX-859     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-25-2025 737 737     [Redacted] [Redacted] US Citizen 09-25-2025 834 834                     834 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.82 26.41 29.58 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 15.26 69.67 69.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1331.23 559.36 0 1864 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50500 175 7 0.2053854748603352 No 0 6.990 No No
XXXXXX-860     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-03-2025 815 815                                     815 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.1 37.45 35.28 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.24 52.47 52.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 489.44 489.44 0 4594.95 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32330 189 7 0.05451923076923077 No 0 6.990 No No
XXXXXX-861     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-04-2025 706 706                                     706 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.28 29.53 29.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.94 60.87 60.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 978.03 435.44 0 419.32 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26077 38 10 0.5192221121815072 No 0 8.240 No No
XXXXXX-862     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-07-2025 760 760                                     760 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.08 19.8 23.77 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.96 41.10 41.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 565.77 237.73 0 1190 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 180 9 0.11425670775924583 No 0 6.990 No No
XXXXXX-863     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-08-2025 761 761                                     761 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.52 25.21 27.38 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.23 59.12 59.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 998.42 419.52 0 1507 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19000 143 7 0.3349430894308943 No 0 6.990 No No
XXXXXX-864     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-20-2025 765 765                                     765 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.28 23.24 23.51 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.94 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 169.44 99.92 0 1951 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 97859 229 6 0.014748858447488584 No 0 10.490 No No
XXXXXX-865     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-23-2025 726 726                                     726 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.36 35.07 37.3 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 24.65 24.65 24.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.6 0   HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 10000 272 11 0.4720260223048327 No 0 6.990 No No
XXXXXX-866     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 792 792                                     792 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 0.95 23.93 27.62 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.59 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 158.16 93.0 0 2280 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22500 219 4 0.20133980582524272 No 0 10.240 No No
XXXXXX-867     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-03-2025 761 761     [Redacted] [Redacted] US Citizen 10-03-2025 659 659                     761 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.21 54.99 53.29 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.58 45.46 45.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 386.31 220.42 0 883 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41230 280 3 0.5416221198156682 No 0 7.490 No No
XXXXXX-868     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-07-2025 682 682     [Redacted] [Redacted] US Citizen 10-07-2025 815 815                     815 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.3 46.62 46.5 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 4.60 30.12 30.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1242.8 522.2 0 2807 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44639 595 18 0.504155228876207 No 0 6.990 No No
XXXXXX-869     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-08-2025 724 724                                     724 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.89 39.75 39.37 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.88 73.97 73.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 125.69 72.46 0 1436 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19149 169 11 0.0899165061014772 No 0 8.490 No No
XXXXXX-870     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-06-2025 701 701     [Redacted] [Redacted] US Citizen 10-06-2025 794 794                     794 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.91 44.97 44.24 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 19.07 63.16 63.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 696.27 696.27 0 2216 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31000 337 10 0.22889233152594887 No 0 6.990 No No
XXXXXX-871     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-08-2025 728 728                                     728 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.69 47.81 51.55 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.06 79.93 79.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 1593.06 826.28 0 3405 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 100000 242 12 0.7297975056993429 No 0 12.240 No No
XXXXXX-872     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-08-2025 674 674                                     674 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.56 46.05 43.47 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.12 23.30 23.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 1020.42 533.54 0 325 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30912 397 37 0.3827810120913569 No 0 12.490 No Yes
XXXXXX-873     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-30-2025 714 714     [Redacted] [Redacted] US Citizen 09-30-2025 731 731                     731 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.8 32.22 33.95 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.35 59.28 59.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 215.45 124.22 0 1307 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41100 144 5 0.8034050179211469 No 0 8.490 No No
XXXXXX-874     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-08-2025 777 777     [Redacted] [Redacted] US Citizen 10-08-2025 850 850                     850 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.36 48.62 50.17 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 9.09 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 619.11 281.69 0 2765 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 274489 231 33 0.10110272395978578 No 0 8.740 No No
XXXXXX-875     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-18-2025 722 722                                     722 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.28 50 45.79 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.20 72.17 72.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 2130.15 969.21 0 2565 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44164 127 11 0.39666666666666667 No 0 8.740 No No
XXXXXX-876     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-09-2025 765 765                                     765 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.2 47.42 44.37 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.57 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1063.89 457.78 0 1753 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39354 156 11 0.1917470525187567 No 0 7.490 No No
XXXXXX-877     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-06-2025 739 739                                     739 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.61 43.79 47.63 [Redacted] Employed Work Number Work Number Work Number 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.05 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 2403.13 1093.41 0 4145 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 76611 74 13 0.44289087173826386 No 0 8.740 No No
XXXXXX-878     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-07-2025 754 754                                     754 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.57 44.91 46.71 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 30.42 71.73 71.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2498.75 1433.04 0 1962 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 151 15 0.20161535971976316 No 0 7.990 No No
XXXXXX-879     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-07-2025 840 840                                     840 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.79 51.08 49.74 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.75 18.60 18.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 440.71 440.92 0 638 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26978 269 12 0.024587755102040816 No 0 7.490 No No
XXXXXX-880     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-07-2025 745 745     [Redacted] [Redacted] US Citizen 10-07-2025 801 801                     801 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.7 30.18 34.12 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 19.59 55.31 55.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 998.42 419.52 0 1413 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21041 301 5 0.46242320819112626 No 0 6.990 No No
XXXXXX-881     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-09-2025 769 769                                     769 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.74 55 52.5 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.62 81.67 81.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 227.92 131.41 0 2237 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48949 62 10 0.010860335195530726 No 0 8.490 No No
XXXXXX-882     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-09-2025 670 670                                     670 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.47 49.89 45.14 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.09 58.49 58.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 1052.18 562.82 0 1290 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33054 249 14 0.6013076923076923 No 0 13.240 No No
XXXXXX-883     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-10-2025 669 669     [Redacted] [Redacted] US Citizen 10-10-2025 652 652                     669 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.05 51.1 49.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.56 75.57 75.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 650.37 342.76 0 1482 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25738 219 11 0.7873214487619191 No 0 12.740 No No
XXXXXX-884     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-18-2025 751 751                                     751 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.07 42.18 44.1 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.78 80.13 80.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 474.97 231.76 0 3070 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35786 89 11 0.17739583333333334 No 0 10.490 No No
XXXXXX-885     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-01-2025 811 811                                     811 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.13 29.45 27.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.99 46.55 46.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 505.79 215.08 0 1196 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31674 225 4 0.0066521739130434784 No 0 7.240 No No
XXXXXX-886     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-07-2025 783 783     [Redacted] [Redacted] US Citizen 10-07-2025 732 732                     783 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.75 42.66 45.03 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.64 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1245.72 607.84 0 4790 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 34460 130 8 0.2691311734723768 No 0 10.490 No No
XXXXXX-887     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-10-2025 714 714                                     714 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.45 44.22 43.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.34 51.19 51.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 376.63 219.55 0 1622 HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49967 227 26 0.18567774936061382 No 0 9.490 No No
XXXXXX-888     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-04-2025 784 784                                     784 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.84 31.03 35.47 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 24.78 68.15 68.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 3284.26 1363.24 0 1926 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 429 6 0.3208165548098434 No 0 6.740 No No
XXXXXX-889     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-06-2025 713 713                                     713 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.33 47.2 51.56 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.76 14.76 14.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 2124.17 1145.29 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 94252 347 11 0.679297124600639 No 0 13.490 No No
XXXXXX-890     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-09-2025 677 677     [Redacted] [Redacted] US Citizen 10-09-2025 779 779                     779 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.99 36.38 39.47 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 21.66 47.19 47.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 921.88 423.9 0 829 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21000 170 12 0.5408646003262643 No 0 8.990 No No
XXXXXX-891     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-12-2025 701 701                                     701 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.21 34.29 38.41 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.47 83.29 83.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 1687.66 868.17 0 5126 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8000 277 4 0.4886448598130841 No 0 11.990 No No
XXXXXX-892     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-29-2025 799 799     [Redacted] [Redacted] US Citizen 09-29-2025 809 809                     809 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.2 27.29 25.88 [Redacted] Employed Manual Verification Paystub Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Paystub Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 20.95 78.09 78.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1079.7 1079.7 0 2785 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 110165 151 8 0.4800776330188095 No 0 7.990 No No
XXXXXX-893     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-09-2025 777 777                                     777 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 18.51 29.23 36.23 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 24.50 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 3224.09 1371.04 0 2975 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 114 3 0.19645283018867923 No 0 7.240 No No
XXXXXX-894     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-13-2025 747 747                                     747 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.81 53.15 52.37 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.55 65.78 65.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 339.22 339.22 0 1551 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40375 120 5 0.000175 No 0 7.740 No No
XXXXXX-895     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-16-2025 813 813     [Redacted] [Redacted] US Citizen 09-16-2025 762 762                     813 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.15 21.54 21.25 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.40 60.35 60.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 143.11 81.25 0 1707 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19682 230 8 0.06811871579912122 No 0 6.990 No No
XXXXXX-896     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-26-2025 819 819                                     819 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11 50.1 54.89 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.33 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 849.88 357.1 0 2444 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33000 204 7 0.06814746543778802 No 0 6.990 No No
XXXXXX-897     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 718 718                                     718 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.79 54.29 53.66 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.83 66.02 66.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 323.28 323.28 0 1490 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25234 146 6 0.6965432098765432 No 0 8.490 No No
XXXXXX-898     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-01-2025 728 728                                     728 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.09 50.83 55 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.02 70.87 70.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 293.17 173.39 0 2863.25 HELOC - ARM 180 180 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 73067 396 13 0.26754437869822484 No 0 10.740 No No
XXXXXX-899     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 712 712                                     712 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.1 31.05 26.45 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 35.20 35.20 35.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 648.26 648.26 0   HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10337 296 8 0.06416861826697892 No 0 8.490 No No
XXXXXX-900     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-08-2025 640 640                                     640 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.25 49.45 46.85 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.25 36.46 36.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 407.1 253.31 0 1380 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 71009 252 31 0.8526083932297704 No 0 14.990 No No
XXXXXX-901     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-14-2025 668 668                                     668 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.21 36.19 37.7 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.49 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 458.84 276.24 0 1378 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48642 170 10 0.234846595160888 No 0 12.240 No No
XXXXXX-902     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 775 775                                     775 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.24 29.04 28.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.08 84.94 84.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1001.06 420.62 0 1483 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 17511 291 5 0.22685185185185186 No 0 6.990 No No
XXXXXX-903     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-29-2025 695 695                                     695 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.02 49.64 50.21 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.76 48.88 48.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 312.04 186.74 0 737 HELOC - ARM 180 180 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9781 120 18 0.17336206896551723 No 0 11.740 No No
XXXXXX-904     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-03-2025 807 807                                     807 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.85 30.14 29.15 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 24.01 70.09 70.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 385.61 385.61 0 816 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11500 105 3 0.02451776649746193 No 0 7.990 No No
XXXXXX-905     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-12-2025 727 727                                     727 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.89 44.07 45.56 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.51 85.58 85.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 424.82 255.76 0 2087 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 91297 358 15 0.5528735632183908 No 0 12.240 No No
XXXXXX-906     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-14-2025 733 733                                     733 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.89 22.1 26.86 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.13 61.14 61.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 486.62 486.62 0 4227.93 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10807 182 3 0.5285714285714286 No 0 8.490 No No
XXXXXX-907     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-14-2025 669 669     [Redacted] [Redacted] US Citizen 10-14-2025 636 636                     669 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.84 29.52 32.94 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.79 58.12 58.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 709.52 398.86 0 1138 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 6500 200 7 0.782798833819242 No 0 14.990 No No
XXXXXX-908     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-15-2025 702 702                                     702 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.39 42.25 41.75 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.86 56.12 56.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 239.44 137.68 0 3396 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13500 232 2 0.9427317073170731 No 0 8.240 No No
XXXXXX-909     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-13-2025 692 692                                     692 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.02 13.83 14.42 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.37 26.25 26.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 471.03 223.31 0 1192 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 381034 217 14 0.8369526000090199 No 0 9.740 No No
XXXXXX-910     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-23-2025 804 804                                     804 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 15.82 54.99 52.87 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 24.05 68.38 68.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 477.54 477.54 0 1082 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 232 15 0.020596846846846848 No 0 6.990 No No
XXXXXX-911     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-09-2025 781 781                                     781 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.01 31.13 35.45 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.07 84.12 84.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 210.88 210.98 0 3203.21 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28500 303 8 0.18023111111111112 No 0 6.990 No No
XXXXXX-912     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-14-2025 637 637     [Redacted] [Redacted] US Citizen 10-14-2025 656 656                     656 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.48 46.42 44.85 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.06 43.16 43.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.74 13.74 557.7 302.9 0 249.37 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37305 369 3 0.8397826086956521 No 0 13.740 No No
XXXXXX-913     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-15-2025 735 735     [Redacted] [Redacted] US Citizen 10-15-2025 767 767                     767 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.58 49.19 46.89 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 21.28 84.49 84.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 837.54 389.14 0 1061 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17400 242 10 0.2370627095740954 No 0 9.240 No No
XXXXXX-914     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-08-2025 656 656     [Redacted] [Redacted] US Citizen 09-08-2025 690 690                     690 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.24 14.59 12.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.19 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 634.83 356.87 0 2630 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39658 456 8 0.8769702124704902 No 0 14.990 No No
XXXXXX-915     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-05-2025 747 747                                     747 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.94 51.19 53.15 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.05 60.11 60.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 205.83 122.82 0 2009 HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27500 226 3 0.08110588235294118 No 0 11.490 No No
XXXXXX-916     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.45 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-16-2025 652 652                                     652 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.66 31.4 30.19 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.57 62.80 62.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 433.58 262.55 0 626 HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 14930 173 9 0.6649535895956789 No 0 12.740 No No
XXXXXX-917     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-16-2025 764 764                                     764 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.5 49.16 45.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.45 79.53 79.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 394.15 232.39 0 2040 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 123 10 0 No 0 10.490 No No
XXXXXX-918     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-17-2025 776 776                                     776 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.74 39.55 43.6 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.73 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 629.31 273.9 0 2208 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18600 266 12 0.08970794392523364 No 0 7.740 No No
XXXXXX-919     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-17-2025 750 750     [Redacted] [Redacted] US Citizen 10-17-2025 760 760                     760 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.2 38.39 42.6 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 27.80 83.96 83.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1209.78 562.01 0 1154 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 48920 320 9 0.04293486060194909 No 0 9.240 No No
XXXXXX-920     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-16-2025 730 730                                     730 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.11 34.52 35.8 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.32 57.58 57.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 691.9 301.15 0 2246 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7000 184 2 0.1676 No 0 7.740 No No
XXXXXX-921     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-18-2025 710 710                                     710 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.03 35.89 38.35 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.74 72.55 72.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1504.37 669.69 0 2683 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24000 234 7 0.9443914081145585 No 0 8.240 No No
XXXXXX-922     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-04-2025 720 720                                     720 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.97 31.9 33.88 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 33.11 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1884.63 902.26 0 1436 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 54469 351 10 0.4870195272353546 No 0 9.990 No No
XXXXXX-923     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-09-2025 756 756     [Redacted] [Redacted] US Citizen 10-09-2025 684 684                     756 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.23 26.73 28.66 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.61 14.61 14.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 991.1 483.52 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18997 137 5 0.35413173652694613 No 0 10.490 No No
XXXXXX-924     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-12-2025 795 795                                     795 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.03 50.59 52.75 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.03 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 568.64 244.65 0 2332 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22822 260 6 0.16245754245754246 No 0 7.490 No No
XXXXXX-925     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-09-2025 691 691                                     691 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.43 47.33 47.19 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.86 49.58 49.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 823.34 416.44 0 3421 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 33424 311 19 0.12262422360248447 No 0 11.490 No No
XXXXXX-926     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-11-2025 671 671     [Redacted] [Redacted] US Citizen 10-11-2025 676 676                     676 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.54 43.49 46.36 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 8.12 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1040.87 585.0 0 3369 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23277 281 6 0.6589480514213877 No 0 14.990 No No
XXXXXX-927     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-03-2025 733 733                                     733 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.81 34.04 33.28 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.24 70.00 70 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1556.78 677.66 0 1962 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32492 439 5 0.9410555555555555 No 0 7.740 No No
XXXXXX-928     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-14-2025 743 743                                     743 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.29 42.25 38.94 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.81 75.32 75.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 996.32 490.58 0 1474 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35000 262 10 0.23163408713427877 No 0 10.740 No No
XXXXXX-929     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-17-2025 672 672                                     672 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.28 45.3 48.49 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.76 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 909.43 511.12 0 1542 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27009 377 23 0.6158982140772733 No 0 14.990 No No
XXXXXX-930     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-19-2025 845 845     [Redacted] [Redacted] US Citizen 10-19-2025 801 801                     845 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1 7.02 7.21 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.72 50.56 50.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.78 0 2287 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24000 303 3 0.19000037963630842 No 0 6.990 No No
XXXXXX-931     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-05-2025 816 816                                     816 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.25 33.39 35.15 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.69 78.27 78.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 994.24 417.71 0 3725 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 76 11 0.01018453272262838 No 0 6.990 No No
XXXXXX-932     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-18-2025 727 727                                     727 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.18 37.52 37.72 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.60 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 111.73 66.25 0 2375 HELOC - ARM 180 180 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31876 286 39 0.05961891319689485 No 0 9.990 No No
XXXXXX-933     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-21-2025 676 676     [Redacted] [Redacted] US Citizen 10-21-2025 780 780                     780 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.47 46.36 48.72 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.65 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 510.92 249.26 0 1813 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51887 388 13 0.3939966832504146 No 0 10.490 No No
XXXXXX-934     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-07-2025 697 697                                     697 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.73 49.62 51.15 [Redacted] Employed Manual Verification Paystub Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.33 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 437.24 265.62 0 2124 HELOC - ARM 180 180 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25054 168 9 0.3095766129032258 No 0 12.990 No No
XXXXXX-935     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-22-2025 696 696                                     696 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.23 26.24 29.32 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.84 8.84 8.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 472.44 221.71 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43116 133 22 0.24353566009104705 No 0 9.490 No No
XXXXXX-936     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-22-2025 838 838                                     838 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.11 32.85 28.28 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.21 70.64 70.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 410.53 174.78 0 489 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22500 263 6 0.039485148514851486 No 0 6.990 No No
XXXXXX-937     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-01-2025 708 708     [Redacted] [Redacted] US Citizen 07-01-2025 687 687                     708 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.55 55 52.16 [Redacted] Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.10 77.17 77.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 1178.61 653.94 0 3747 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42252 156 18 0.43489787902592303 No 0 14.490 No No
XXXXXX-938     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-10-2025 800 800                                     800 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.32 42.55 44.29 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.31 88.91 88.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 578.99 263.48 0 2352 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48613 208 3 0.3778666666666667 No 0 8.740 No No
XXXXXX-939     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-19-2025 712 712     [Redacted] [Redacted] US Citizen 07-19-2025 733 733                     733 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.79 50.79 54.57 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 18.60 48.89 48.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1204.67 582.32 0 1174 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29276 279 30 0.17515512628323118 No 0 10.240 No No
XXXXXX-940     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-06-2025 740 740                                     740 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.24 37.96 42.01 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.03 51.53 51.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 521.12 226.82 0 924 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 263 3 0.32134545454545455 No 0 7.740 No No
XXXXXX-941     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-11-2025 689 689                                     689 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.98 55 50.62 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.04 76.32 76.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1095.79 615.9 0 2613 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 322793 346 16 0.3997694626706863 No 0 14.990 No No
XXXXXX-942     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-15-2025 670 670                                     670 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.38 42.74 45.36 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.58 34.51 34.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 1010.0 523.78 0 519 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43734 227 16 0.5663952627683198 No 0 12.240 No No
XXXXXX-943     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-08-2025 732 732                                     732 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.49 47.36 52.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.05 62.34 62.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1418.86 631.64 0 1550 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36600 241 7 0.2996243523316062 No 0 8.240 No No
XXXXXX-944     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-28-2025 827 827                                     827 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.22 39.03 37.39 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 30.34 71.75 71.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1081.58 1081.58 0 1000 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28000 271 5 0.13010785824345147 No 0 7.240 No No
XXXXXX-945     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-31-2025 758 758     [Redacted] [Redacted] US Citizen 08-31-2025 710 710                     758 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.77 27.49 27.25 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.15 59.19 59.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 311.81 183.32 0 2995.6 HELOC - ARM 180 180 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15944 120 2 0.8227522935779816 No 0 10.240 No No
XXXXXX-946     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-03-2025 752 752                                     752 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.66 41.77 40.36 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.02 31.84 31.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 490.62 239.37 0 920 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25459 269 9 0.4425704225352113 No 0 10.490 No No
XXXXXX-947     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-05-2025 760 760                                     760 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.01 36.38 39.04 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.46 71.80 71.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 600.69 600.69 0 2268 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 64466 222 7 0.6249560956028701 No 0 8.240 No No
XXXXXX-948     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-06-2025 797 797                                     797 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.45 32.06 31.06 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 24.30 76.28 76.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 663.86 663.86 0 1514 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 56428 216 6 0.07829450549450549 No 0 7.490 No No
XXXXXX-949     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-29-2025 672 672                                     672 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.96 42.97 42.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.93 47.76 47.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 199.26 117.83 0 1196 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13800 155 5 0.7135430463576159 No 0 10.740 No No
XXXXXX-950     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-08-2025 712 712                                     712 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.08 43.13 44.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.26 84.28 84.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 700.48 332.08 0 1454 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23457 138 11 0.18468379446640315 No 0 9.740 No No
XXXXXX-951     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-08-2025 729 729                                     729 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.59 40.65 43.58 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.58 88.43 88.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 1018.22 510.54 0 1640 HELOC - ARM 360 360 [Redacted] 7.25 No Rounding 0.000 30 Days WSJPrimeRateDaily 4.24             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33391 158 9 0.2513690476190476 No 0 11.240 No No
XXXXXX-952     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-16-2025 739 739     [Redacted] [Redacted] US Citizen 09-16-2025 734 734                     739 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.01 45.57 47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.11 62.65 62.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1948.82 942.0 0 2440 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 78508 336 14 0.8048916967509026 No 0 10.240 No No
XXXXXX-953     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-18-2025 670 670                                     670 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 17.62 41.89 43.24 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.46 63.79 63.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.49 15.49 1145.42 652.24 0 1048 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21837 146 7 0.4072258064516129 No 0 15.490 No No
XXXXXX-954     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-22-2025 689 689                                     689 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.69 22.52 27.35 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.94 62.77 62.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 213.82 213.82 0 2489.13 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25623 148 5 0.08066666666666666 No 0 9.240 No No
XXXXXX-955     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-04-2025 710 710     [Redacted] [Redacted] US Citizen 09-20-2025 749 749                     749 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 0.86 33.7 32.7 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.78 78.68 78.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 73.08 73.08 0 1364 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12959 95 9 0.8111515151515152 No 0 0.0 No No
XXXXXX-956     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-12-2025 732 732                                     732 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.03 47.82 44.78 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.10 41.35 41.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1015.96 447.3 0 785 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 38925 376 19 0.23463293726137296 No 0 7.990 No No
XXXXXX-957     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-24-2025 713 713     [Redacted] [Redacted] US Citizen 09-24-2025 797 797                     797 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.29 34 37.53 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 22.25 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1925.34 838.1 0 2214 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35076 289 9 0.3028856914468425 No 0 7.990 No No
XXXXXX-958     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 708 708                                     708 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.07 42.78 47.38 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.69 57.26 57.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1874.17 914.49 0 2192 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31432 204 11 0.18252859723058398 No 0 10.490 No No
XXXXXX-959     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-28-2025 802 802                                     802 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.86 43.76 41.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.05 57.61 57.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1003.78 456.66 0 2160 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33152 120 6 0.05555555555555555 No 0 8.740 No No
XXXXXX-960     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 723 723                                     723 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.52 42.49 40.21 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.33 46.75 46.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 674.67 300.37 0 1591 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24727 191 11 0.46135923225985054 No 0 8.240 No No
XXXXXX-961     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-01-2025 711 711     [Redacted] [Redacted] US Citizen 10-01-2025 774 774                     774 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.94 40.45 40.29 [Redacted] Employed Work Number Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.52 68.47 68.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 908.85 908.85 0 2343 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 373 7 0.7753297872340426 No 0 6.990 No No
XXXXXX-962     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-01-2025 737 737     [Redacted] [Redacted] US Citizen 10-01-2025 775 775                     775 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.86 47.48 45.92 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.55 38.55 38.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 514.35 514.35 0 2093 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8700 393 3 0.03837797619047619 No 0 7.490 No No
XXXXXX-963     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-07-2025 795 795                                     795 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.71 28.45 31.69 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.88 64.03 64.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 499.21 209.76 0 1284 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10903 265 8 0.0713146551724138 No 0 6.990 No No
XXXXXX-964     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-02-2025 733 733     [Redacted] [Redacted] US Citizen 10-02-2025 707 707                     733 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.72 34.45 39.09 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.28 80.35 80.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1506.48 707.1 0 3081 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23039 232 2 0.4504078014184397 No 0 9.490 No No
XXXXXX-965     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 643 643                                     643 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.72 53.34 51.14 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.26 57.98 57.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.19 0 1659 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18063 171 15 0.7746359008943912 No 0 14.990 No No
XXXXXX-966     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-02-2025 805 805                                     805 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.36 26.34 22.3 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.62 28.62 28.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2496.06 1048.68 0 2932 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35000 406 7 0.1716421052631579 No 0 6.990 No No
XXXXXX-967     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-03-2025 657 657     [Redacted] [Redacted] US Citizen 10-03-2025 662 662                     662 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.49 49.46 48.84 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.05 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 703.04 379.06 0 1184 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18000 185 15 0.7637485891647856 No 0 13.490 No No
XXXXXX-968     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-03-2025 751 751                                     751 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.51 24.7 25.37 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.01 48.24 48.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 613.08 269.89 0 2949 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19500 216 3 0.2820873786407767 No 0 7.990 No No
XXXXXX-969     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-03-2025 729 729                                     729 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.69 42.44 45.39 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.14 85.49 85.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 253.73 253.73 0 1623 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29000 137 13 0.48529867256637166 No 0 8.990 No No
XXXXXX-970     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-07-2025 837 837     [Redacted] [Redacted] US Citizen 09-07-2025 781 781                     837 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.5 26.49 29.01 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.59 46.68 46.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.6 0 2617 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25572 230 6 0.00065 No 0 6.990 No No
XXXXXX-971     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-05-2025 800 800                                     800 [Redacted] [Redacted] WA [Redacted] [Redacted] Investment Refinance Cash Out - Home Improvement/Reno 3.74 16.29 18.07 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.97 57.05 57.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1169.29 565.2 0 1362 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37000 109 2 0.35007692307692306 No 0 10.240 No No
XXXXXX-972     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-20-2025 774 774                                     774 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.86 32.86 35.36 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.62 59.42 59.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.8 0 1924 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 335 25 0.014830055025855939 No 0 6.990 No No
XXXXXX-973     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-07-2025 722 722                                     722 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.37 42.96 46.1 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.30 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 2348.46 1124.14 0 3578 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 80500 81 6 0.9340704960981986 No 0 9.990 No No
XXXXXX-974     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-07-2025 802 802     [Redacted] [Redacted] US Citizen 10-07-2025 838 838                     838 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.11 38.28 42.73 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 40.00 69.42 69.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2180.15 916.05 0 875 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20000 174 3 0.04065829277916612 No 0 6.990 No No
XXXXXX-975     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-08-2025 697 697                                     697 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.93 11.95 10.5 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.79 13.43 13.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 342.22 201.21 0 168 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15750 229 6 0.24783638320775028 No 0 10.240 No No
XXXXXX-976     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-08-2025 658 658     [Redacted] [Redacted] US Citizen 10-08-2025 715 715                     715 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation   30.28 31.55 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 14.43 45.53   [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 1024.15 513.42 0   HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7500 227 3 0.49660477453580903 No 0 11.240 No No
XXXXXX-977     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-10-2025 680 680                                     680 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.78 37.04 35.3 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.46 88.28 88.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 282.21 169.9 0 2051 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 0 125 0 0 No 0 12.240 No No
XXXXXX-978     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-11-2025 850 850                                     850 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.17 43.42 42.44 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.79 63.79 63.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1398.24 1398.24 0 2103 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20596 506 19 0.022625843279709394 No 0 6.990 No No
XXXXXX-979     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-08-2025 718 718                                     718 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.63 44.63 43.36 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.58 72.56 72.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 574.52 574.52 0 1161 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23296 98 5 0.5743602589794975 No 0 9.490 No No
XXXXXX-980     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-13-2025 640 640                                     640 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.45 26.31 28.2 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.86 70.61 70.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 632.19 632.19 0 2047.76 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13300 193 21 0.8679427083333333 No 0 14.990 No No
XXXXXX-981     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-13-2025 708 708                                     708 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.32 34.02 34.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 21.82 68.20 68.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 360.12 208.76 0 560 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14000 304 12 0.28969044414535666 No 0 8.990 No No
XXXXXX-982     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-13-2025 726 726     [Redacted] [Redacted] US Citizen 10-13-2025 684 684                     726 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.17 14.17 12.65 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.81 5.81 5.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 448.23 263.55 0   HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40400 232 6 0.45714890994530466 No 0 10.240 No No
XXXXXX-983     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-13-2025 676 676                                     676 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.52 30.96 34.64 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.47 10.56 10.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 473.02 294.33 0 1 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15708 94 9 0.7833333333333333 No 0 14.990 No No
XXXXXX-984     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-14-2025 671 671                                     671 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.08 32.36 31.11 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.34 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 341.96 204.0 0 2798 HELOC - ARM 180 180 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46274 265 12 0.499013698630137 No 0 11.490 No No
XXXXXX-985     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-14-2025 749 749     [Redacted] [Redacted] US Citizen 10-14-2025 791 791                     791 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.78 44.85 43.34 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 18.02 74.01 74.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 2758.94 1268.46 0 3121 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 70000 409 9 0.4858038518737928 No 0 8.990 No No
XXXXXX-986     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-15-2025 676 676                                     676 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.33 46.59 48.64 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.79 55.39 55.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 208.02 124.47 0 1308 HELOC - ARM 180 180 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 155 1 1.0220909090909092 No 0 11.740 No No
XXXXXX-987     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-15-2025 693 693                                     693 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.68 39.32 40.74 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.11 56.14 56.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 946.02 531.69 0 3721.52 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   3 [Redacted] Existing 1st and 2nd ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 100000 148 9 0.7258781163434903 No 0 14.990 No No
XXXXXX-988     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-15-2025 682 682                                     682 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.01 44.26 45.52 [Redacted] Employed Manual Verification Paystub/W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.50 11.50 11.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 1062.08 572.64 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 68107 192 7 0.4260605440087369 No 0 13.490 No No
XXXXXX-989     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-15-2025 799 799     [Redacted] [Redacted] US Citizen 10-15-2025 801 801                     801 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 21.37 38.06 41.16 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 40.00 81.56 81.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 3204.23 1346.35 0 2225 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18000 106 8 0.0005538186690486824 No 0 6.990 No No
XXXXXX-990     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 680 680                                     680 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.27 48.14 49.99 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.58 12.58 12.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 682.09 329.65 0   HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20969 81 7 0.8935384615384615 No 0 10.240 No No
XXXXXX-991     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-16-2025 830 830                                     830 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.83 36.77 38.17 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.68 66.76 66.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 2180.86 992.15 0 2601 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41000 159 3 0.08014285714285714 No 0 8.740 No No
XXXXXX-992     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-16-2025 669 669                                     669 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.72 20.31 21.93 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.33 14.33 14.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 223.36 136.48 0   HELOC - ARM 180 180 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 228 4 1.028 No 0 13.490 No No
XXXXXX-993     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-16-2025 843 843                                     843 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.24 40.86 44.05 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.70 4.70 4.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.78 0   HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21200 471 16 0.04771511627906977 No 0 6.990 No No
XXXXXX-994     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-17-2025 730 730                                     730 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.04 55 51.32 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.13 65.78 65.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 1038.48 1038.48 0 1011 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30382 269 18 0.4180392018406388 No 0 13.490 No No
XXXXXX-995     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-17-2025 707 707                                     707 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.23 27.37 32.2 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 27.41 78.60 78.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1686.67 750.84 0 1598 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29591 102 7 0.2501302083333333 No 0 8.240 No No
XXXXXX-996     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-17-2025 704 704                                     704 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.42 26.41 29.57 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.00 34.45 34.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 318.61 191.78 0 1200.16 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13656 103 10 0.35730106249799376 No 0 12.240 No No
XXXXXX-997     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-17-2025 738 738                                     738 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.95 27.01 28.06 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.78 42.05 42.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 112.98 65.86 0 102 HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 100000 115 13 0.5373918028088277 No 0 9.490 No No
XXXXXX-998     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-18-2025 744 744                                     744 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.5 24.46 26.36 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.68 50.02 50.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 168.59 95.95 0 718 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16500 416 4 0.032294736842105265 No 0 7.240 No No
XXXXXX-999     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-08-2025 682 682                                     682 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.59 32.12 33.08 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.74 8.74 8.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 331.07 191.9 0   HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37000 119 6 0.6978320610687023 No 0 8.990 No No
XXXXXX-1000     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-18-2025 727 727                                     727 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.04 38.96 42.65 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.43 56.16 56.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 509.11 255.22 0 1655 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10500 166 9 0.4126997245179063 No 0 11.240 No No
XXXXXX-1001     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-19-2025 641 641                                     641 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.85 40.27 40.63 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.08 51.53 51.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 632.05 632.05 0 783.26 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14814 256 27 0.584256138661531 No 0 14.990 No No
XXXXXX-1002     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-30-2025 813 813                                     813 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.47 45.13 47.93 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.75 53.95 53.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.81 188.94 0 1508 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8700 160 9 0.06784810126582279 No 0 6.990 No No
XXXXXX-1003     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-19-2025 657 657                                     657 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.32 16.56 19.33 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.17 9.17 9.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 433.58 262.55 0   HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26967 127 11 0.4533807829181495 No 0 12.740 No No
XXXXXX-1004     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-18-2025 697 697                                     697 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.78 39.98 38.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.34 68.46 68.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 574.83 272.47 0 1387 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12650 253 3 0.8065396825396826 No 0 9.740 No No
XXXXXX-1005     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-21-2025 773 773                                     773 [Redacted] [Redacted] NH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.57 48.94 45.35 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.71 53.50 53.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 419.47 419.47 0 1362 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 344 5 0.07541710114702815 No 0 6.990 No No
XXXXXX-1006     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-21-2025 714 714                                     714 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.91 43.22 44.38 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.26 74.03 74.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 597.79 294.35 0 1572 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43422 144 12 0.2154634606424927 No 0 10.740 No No
XXXXXX-1007     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-21-2025 713 713     [Redacted] [Redacted] US Citizen 10-21-2025 721 721                     721 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.4 27.97 32.35 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.19 64.58 64.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1037.85 451.72 0 1898 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22600 254 2 0.9493805309734513 No 0 7.740 No No
XXXXXX-1008     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-21-2025 812 812                                     812 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.26 42.49 47.4 [Redacted] Employed Manual Verification Paystub/W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.75 84.69 84.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 691.9 301.15 0 1474 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 247 2 0.11463636363636363 No 0 7.740 No No
XXXXXX-1009     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-22-2025 666 666                                     666 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.8 42.37 46.08 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.05 98.32 98.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 612.1 612.1 0 4712.16 HELOC - ARM 360 360 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   3 [Redacted] Existing 1st and 2nd ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47300 189 11 0.7661633726355077 No 0 14.490 No No
XXXXXX-1010     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-05-2025 677 677                                     677 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.86 32.47 35.64 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.88 3.88 17.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 335.04 204.75 0 344.77 HELOC - ARM 180 180 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32140 256 6 1.0002112676056338 No 0 13.490 No No
XXXXXX-1011     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-21-2025 741 741                                     741 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.07 39.17 34.84 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.75 29.40 29.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 448.87 202.02 0 1410 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 56753 217 25 0.12175072947061276 No 0 8.490 No No
XXXXXX-1012     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-22-2025 848 848                                     848 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.32 24.45 25.11 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 23.17 57.02 57.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 4160.09 1747.8 0 4580 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 138734 467 7 0.22977358490566038 No 0 6.990 No No
XXXXXX-1013     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-22-2025 733 733                                     733 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.63 50.05 51.22 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.66 79.50 79.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 289.38 289.38 0 1739 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12400 176 8 0.2130819245773732 No 0 8.740 No No
XXXXXX-1014     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-22-2025 755 755     [Redacted] [Redacted] US Citizen 10-22-2025 771 771                     771 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.42 16.43 16.95 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 4.37 56.92 56.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.81 188.94 0 2190 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34100 193 6 0.2543273092369478 No 0 6.990 No No
XXXXXX-1015     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-23-2025 779 779                                     779 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.16 38.76 43.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.50 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1965.5 894.17 0 2423 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 53961 344 20 0.15721836802114306 No 0 8.740 No No
XXXXXX-1016     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-23-2025 761 761     [Redacted] [Redacted] US Citizen 10-23-2025 709 709                     761 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.9 50.12 54.79 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 40.00 71.65 71.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1589.75 715.49 0 1126 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30463 233 9 0.3450382848392037 No 0 8.490 No No
XXXXXX-1017     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-23-2025 801 801                                     801 [Redacted] [Redacted] MI [Redacted] [Redacted] Investment Refinance Cash Out - Home Improvement/Reno 10.36 42.73 47.63 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 34.40 34.40 34.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1874.17 914.34 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 98718 530 9 0.21328646748681898 No 0 10.490 No No
XXXXXX-1018     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-23-2025 723 723                                     723 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.45 27.42 29.84 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.34 17.20 17.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 259.47 148.4 0 466.82 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11500 215 8 0.3000804828973843 No 0 7.740 No No
XXXXXX-1019     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-24-2025 683 683                                     683 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.21 29.06 29.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.08 42.93 42.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.74 13.74 225.55 138.23 0 630 HELOC - ARM 180 180 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13001 68 15 0.46422760218924114 No 0 13.740 No No
XXXXXX-1020     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-24-2025 726 726                                     726 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.28 29.62 24.71 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 64.67 64.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1372.0 681.71 0 1792 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 75957 228 7 0 No 0 10.990 No No
XXXXXX-1021     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-24-2025 756 756                                     756 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.49 30 32.01 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.46 70.88 70.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1685.94 716.86 0 3476.21 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20050 577 6 0.400327485380117 No 0 7.240 No No
XXXXXX-1022     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-16-2025 775 775                                     775 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 18.36 28.71 30.17 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 67.16 67.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1551.33 1551.33 0 452.32 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19000 51 8 0.06813186813186813 No 0 7.240 No No
XXXXXX-1023     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-24-2025 733 733                                     733 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.39 35.51 40.21 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 27.22 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 2014.53 906.67 0 1605 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34813 208 11 0.27532679738562094 No 0 8.490 No No
XXXXXX-1024     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-24-2025 810 810     [Redacted] [Redacted] US Citizen 10-24-2025 801 801                     810 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.08 54.99 52.22 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.62 4.62 4.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 195.36 195.36 0   HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40500 494 9 0.2380166416587096 No 0 6.990 No No
XXXXXX-1025     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-24-2025 695 695                                     695 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.17 31.11 30.15 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.44 84.94 84.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 292.33 171.85 0 5251 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32449 240 19 0.6753977241084854 No 0 10.240 No No
XXXXXX-1026     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-17-2025 814 814                                     814 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.77 46.97 49.16 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.24 69.94 69.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 636.01 267.21 0 3408 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22248 104 6 0.03721518987341772 No 0 6.990 No No
XXXXXX-1027     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-24-2025 815 815                                     815 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 15.35 49.99 46.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 31.36 80.19 80.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 3480.92 1515.05 0 2842 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 164800 224 8 0.5211305317962067 No 0 7.740 No No
XXXXXX-1028     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-25-2025 673 673                                     673 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.75 44.65 47.56 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.81 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 333.12 207.23 0 1881 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 34618 263 16 0.49486803519061584 No 0 14.990 No No
XXXXXX-1029     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-25-2025 807 807                                     807 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.01 35.82 39.17 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 31.44 69.07 69.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2189.59 963.9 0 1350 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47118 359 12 0.1492723263506064 No 0 7.990 No No
XXXXXX-1030     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-25-2025 838 838     [Redacted] [Redacted] US Citizen 10-25-2025 850 850                     850 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.03 16.96 18.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.76 70.84 70.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 505.79 215.06 0 1230 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 21500 251 10 0.03838729137341645 No 0 7.240 No No
XXXXXX-1031     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-25-2025 753 753                                     753 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.64 34.58 36.4 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.20 69.00 69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 505.79 215.06 0 996 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26529 136 11 0.16943987322484305 No 0 7.240 No No
XXXXXX-1032     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-26-2025 824 824                                     824 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.97 28.91 30.28 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.11 55.62 55.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 426.69 189.95 0 1084 HELOC - ARM 360 360 [Redacted] 7.25 No Rounding 0.000 30 Days WSJPrimeRateDaily 1.24             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 303 15 0.11222405271828666 No 0 8.240 No No
XXXXXX-1033     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-27-2025 828 828                                     828 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.92 16.8 23.8 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 66.69 66.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1768.19 1768.19 0 1730.3 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48164 248 8 0.07801142857142856 No 0 7.240 No No
XXXXXX-1034     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-27-2025 777 777                                     777 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.24 30.37 28.56 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.70 12.70   [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.56 0   HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 169607 158 16 0.19474281391830559 No 0 6.990 No No
XXXXXX-1035     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-27-2025 728 728     [Redacted] [Redacted] US Citizen 10-27-2025 769 769                     769 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.42 39.71 41.32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.33 12.33 12.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 875.83 385.56 0   HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 27400 265 23 0.5716461538461538 No 0 7.990 No No
XXXXXX-1036     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-28-2025 734 734                                     734 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.93 21.69 22.74 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.35 43.16 43.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 674.38 286.75 0 1048 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28700 152 7 0.35062326869806093 No 0 7.240 No No
XXXXXX-1037     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-27-2025 699 699     [Redacted] [Redacted] US Citizen 10-27-2025 718 718                     718 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.1 38.95 37.33 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.32 19.56 19.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 750.84 750.84 0 332 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27000 271 2 0.7150833333333333 No 0 8.240 No No
XXXXXX-1038     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 686 686                                     686 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.7 42.23 40.52 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.54 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.99 13.99 237.51 146.0 0 2917 HELOC - ARM 180 180 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40912 207 54 0.26379610597236497 No 0 13.990 No No
XXXXXX-1039     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 712 712                                     712 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.88 43.63 48.04 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.71 82.63 82.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 867.12 415.06 0 2463 HELOC - ARM 360 360 [Redacted] 7.25 No Rounding 0.000 30 Days WSJPrimeRateDaily 2.99             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21674 44 7 0.2801101768628588 No 0 9.990 No No
XXXXXX-1040     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 660 660                                     660 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.78 32.67 35.09 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.52 28.18 28.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 432.26 257.87 0 0 HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8213 94 18 0.28414764241519097 No 0 11.490 No No
XXXXXX-1041     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 698 698                                     698 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.39 50.21 52.02 [Redacted] Employed Work Number Work Number N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.91 23.74 23.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 546.87 292.61 0 1830 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39161 131 12 0.5089626556016598 No 0 13.240 No No
XXXXXX-1042     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-28-2025 825 825                                     825 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.19 39.38 43.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.98 61.45 61.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1081.62 454.43 0 1321 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 75000 229 14 0.01491993704228833 No 0 6.990 No No
XXXXXX-1043     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 706 706                                     706 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.46 24.95 26.78 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.68 37.97 37.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 336.03 203.48 0 1019 HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12000 147 4 0.47690763052208834 No 0 12.740 No No
XXXXXX-1044     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-28-2025 757 757     [Redacted] [Redacted] US Citizen 10-28-2025 705 705                     757 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.16 40.39 43.78 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.72 75.57 75.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 762.01 361.2 0 1919 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29260 194 7 0.26636363636363636 No 0 9.740 No No
XXXXXX-1045     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-28-2025 670 670     [Redacted] [Redacted] US Citizen 10-28-2025 707 707                     707 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.86 47.64 48.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.93 40.92 40.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 414.29 241.47 0 2008 HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 79329 246 22 0.42670733016134227 No 0 9.490 No No
XXXXXX-1046     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-27-2025 707 707     [Redacted] [Redacted] US Citizen 10-27-2025 787 787                     787 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.3 38.68 39.84 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.18 88.28 88.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 538.65 242.43 0 2715 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 225490 260 25 0.12153627328174571 No 0 8.490 No No
XXXXXX-1047     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-28-2025 712 712     [Redacted] [Redacted] US Citizen 10-28-2025 771 771                     771 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.5 16.21 20.31 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.68 79.17 79.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 674.38 286.77 0 1848 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18700 224 9 0.29008403361344537 No 0 7.240 No No
XXXXXX-1048     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 745 745                                     745 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.47 54.99 52.54 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.67 63.99 63.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 249.32 145.32 0 2532 HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14300 214 14 0.9627848101265822 No 0 9.490 No No
XXXXXX-1049     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-29-2025 788 788                                     788 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.29 23.82 28.14 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.06 77.21 77.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1685.94 716.86 0 2273 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12000 120 20 0.0001793829227457546 No 0 7.240 No No
XXXXXX-1050     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-29-2025 793 793     [Redacted] [Redacted] US Citizen 10-29-2025 734 734                     793 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.6 25.59 24.85 [Redacted] Employed Work Number Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.40 72.00 72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 210.2 120.54 0 1520 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13500 85 7 0.1725626769312234 No 0 7.990 No No
XXXXXX-1051     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-29-2025 669 669     [Redacted] [Redacted] US Citizen 10-29-2025 687 687                     687 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.91 34.36 37.64 [Redacted] Employed Work Number Work Number N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.44 34.19 17.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 989.17 504.51 0 524.74 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27870 271 23 0.4711711711711712 No 0 11.740 No No
XXXXXX-1052     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-29-2025 821 821                                     821 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.47 50.26 54.09 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.75 38.42 38.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 425.66 189.49 0 1228 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24400 371 14 0.13239043824701197 No 0 8.240 No No
XXXXXX-1053     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-29-2025 704 704     [Redacted] [Redacted] US Citizen 10-29-2025 732 732                     732 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.18 44.07 40.84 [Redacted] Employed Work Number Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 23.64 73.23 73.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 897.74 404.04 0 812 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27275 252 16 0.3402709185833216 No 0 8.490 No No
XXXXXX-1054     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-29-2025 713 713                                     713 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.45 20.33 21.8 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.32 66.15 66.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 969.06 463.86 0 1107 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15463 145 18 0.1692537313432836 No 0 9.990 No No
XXXXXX-1055     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-30-2025 658 658     [Redacted] [Redacted] US Citizen 10-30-2025 736 736                     736 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.53 24.22 28.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.52 7.52 7.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 553.24 254.36 0   HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 3872 268 4 0.12551724137931033 No 0 8.990 No No
XXXXXX-1056     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-30-2025 640 640                                     640 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.07 54.99 54.8 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.30 51.40 51.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 645.8 362.96 0 844 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26772 126 15 0.5390887633216508 No 0 14.990 No No
XXXXXX-1057     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-30-2025 687 687                                     687 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.87 34.39 39.01 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.43 13.43 13.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 905.83 429.37 0   HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14500 183 5 0.8727067669172932 No 0 9.740 No No
XXXXXX-1058     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-31-2025 804 804     [Redacted] [Redacted] US Citizen 10-31-2025 808 808                     808 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.82 21.74 28.31 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 26.27 84.99 84.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 874.56 385.0 0 979 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18008 207 6 0.014120111731843575 No 0 7.990 No No
XXXXXX-1059     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-31-2025 737 737                                     737 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.7 42.68 43.77 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 35.26 74.71 74.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2498.75 1100.0 0 1416 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 52026 195 25 0.26004263382283277 No 0 7.990 No No
XXXXXX-1060     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-31-2025 829 829                                     829 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.06 37.38 32.22 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 3531.19 1536.93 0   HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29700 384 8 0.0054034229828850856 No 0 7.740 No No
XXXXXX-1061     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-31-2025 754 754                                     754 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.67 24.83 29.23 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.25 71.74 71.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 875.83 385.56 0 3894 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12500 160 12 0.06623040218132242 No 0 7.990 No No
XXXXXX-1062     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-31-2025 820 820     [Redacted] [Redacted] US Citizen 10-31-2025 828 828                     828 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.15 41.09 42.72 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 3.45 81.25 81.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 437.92 192.78 0 4280 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41791 485 7 0.07346186245370885 No 0 7.990 No No
XXXXXX-1063     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-03-2025 838 838                                     838 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.08 26.98 25.26 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.07 38.60 38.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 590.08 250.9 0 1428 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40000 590 7 0.09683622135271101 No 0 7.240 No No
XXXXXX-1064     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-01-2025 824 824                                     824 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.66 36.27 40.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.07 79.25 79.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2092.15 878.98 0 3136 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 101768 238 25 0.02342276748334486 No 0 6.990 No No
XXXXXX-1065     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-01-2025 647 647                                     647 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.99 47.48 43.59 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.48 15.48 15.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 487.28 237.73 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9415 122 16 0.5927704485488127 No 0 10.490 No No
XXXXXX-1066     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-02-2025 727 727                                     727 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.74 23.63 28.4 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.53 21.14 21.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1136.44 533.33 0 735 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17663 505 7 0.675986587567707 No 0 9.490 No No
XXXXXX-1067     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-02-2025 848 848     [Redacted] [Redacted] US Citizen 11-02-2025 807 807                     848 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.58 16.09 19.39 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 18.73 77.57 77.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2627.5 1156.68 0 2201 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 374 7 0.012579185520361991 No 0 7.990 No No
XXXXXX-1068     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-02-2025 696 696                                     696 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.55 33.88 31.58 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.44 22.20 22.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 269.91 269.91 0 398.82 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 251 8 0.38276315789473686 No 0 10.490 No No
XXXXXX-1069     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-03-2025 718 718                                     718 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.07 29.53 28.82 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 32.28 32.28 32.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 840.44 840.44 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 58924 264 11 0.29158593231585933 No 0 9.490 No No
XXXXXX-1070     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-03-2025 805 805                                     805 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.59 48.58 50.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.13 55.31 55.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 512.36 220.43 0 1884 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 26597 157 4 0.2220601851851852 No 0 7.490 No No
XXXXXX-1071     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-03-2025 778 778                                     778 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.05 26.43 25.74 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.77 71.31 71.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 876.97 876.97 0 2402 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 134092 217 12 0.018889591430643633 No 0 6.990 No No
XXXXXX-1072     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-03-2025 746 746                                     746 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.5 30.46 32.27 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.36 57.20 57.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 437.92 192.78 0 2776 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31404 116 3 0.012566137566137565 No 0 7.990 No No
XXXXXX-1073     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-04-2025 713 713                                     713 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.24 32.41 36.86 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.05 40.35 40.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 849.09 406.43 0 1481 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14842 264 32 0.0011707258500270167 No 0 9.990 No No
XXXXXX-1074     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-04-2025 690 690                                     690 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.58 39.11 39.53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.93 65.40 65.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 213.79 213.79 0 686 HELOC - ARM 360 360 [Redacted] 7.25 No Rounding 0.000 30 Days WSJPrimeRateDaily 2.24             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 2550 53 13 0.14445497630331752 No 0 9.240 No No
XXXXXX-1075     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-04-2025 697 697                                     697 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.53 54.9 54.81 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.93 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 546.91 340.23 0 4703 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26982 255 9 0.92 No 0 14.990 No No
XXXXXX-1076     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-04-2025 685 685     [Redacted] [Redacted] US Citizen 11-04-2025 751 751                     751 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.76 28.66 28.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.00 66.97 66.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 919.64 422.82 0 1066.1 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 13800 244 5 0.4647022332506203 No 0 8.990 No No
XXXXXX-1077     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-04-2025 711 711                                     711 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.68 30.8 38.34 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.00 85.04 85.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 292.33 171.85 0 1606 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27945 43 8 0.3311598384304674 No 0 10.240 No No
XXXXXX-1078     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-04-2025 675 675                                     675 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.45 48.62 48.61 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.27 27.29 27.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 617.51 312.27 0 869.6 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30654 200 15 0.28737819025522043 No 0 11.490 No No
XXXXXX-1079     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-05-2025 720 720                                     720 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.68 38.34 42.87 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.79 84.37 84.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1363.04 620.09 0 4003 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 309 7 0.07793493635077793 No 0 8.740 No No
XXXXXX-1080     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-05-2025 756 756                                     756 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.29 48.16 49 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.19 70.54 70.54 [Redacted] [Redacted] [Redacted] [Redacted] HELOC HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 285.75 167.03 0 2434 HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28706 311 10 0.18394210219545365 No 0 9.740 No No
XXXXXX-1081     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-05-2025 685 685                                     685 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.22 43.81 48.26 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.27 63.68 63.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 853.22 442.46 0 915 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35558 168 11 0.42778501628664495 No 0 12.240 No No
XXXXXX-1082     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-29-2025 704 704                                     704 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.09 39.81 36.98 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.59 55.92 55.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 188.31 109.76 0 1893 HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 65461 299 21 0.42782437099161325 No 0 9.490 No No
XXXXXX-1083     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-05-2025 737 737                                     737 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.85 31.27 31.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.93 64.96 64.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 179.55 103.5 0 865 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38544 147 11 0.18128205128205127 No 0 8.490 No No
XXXXXX-1084     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-05-2025 686 686     [Redacted] [Redacted] US Citizen 11-05-2025 716 716                     716 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.51 18.74 23.39 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 21.99 21.99 21.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1790.83 840.44 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44500 278 8 0.7825081818814845 No 0 9.490 No No
XXXXXX-1085     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-23-2025 745 745                                     745 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.62 50.14 54.24 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.44 67.23 67.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 682.09 329.65 0 1758 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 184506 249 12 0.32605755395683456 No 0 10.240 No No
XXXXXX-1086     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-06-2025 709 709     [Redacted] [Redacted] US Citizen 11-06-2025 691 691                     709 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.43 43.42 47.32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.76 75.97 75.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1853.33 895.7 0 4023 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33955 368 15 0.5538009031028626 No 0 10.240 No No
XXXXXX-1087     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-06-2025 757 757                                     757 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.14 33.76 35.79 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.66 63.26 63.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 433.12 190.67 0 1927 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 111 20 0.16493822000470207 No 0 7.990 No No
XXXXXX-1088     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-06-2025 732 732                                     732 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.37 17.64 19.28 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.46 56.55 56.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 967.53 463.18 0 2977 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 249 10 0.39171974522292996 No 0 9.990 No No
XXXXXX-1089     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-06-2025 720 720     [Redacted] [Redacted] US Citizen 11-06-2025 646 646                     720 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.36 32.79 35 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 17.63 61.10 61.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1707.85 734.78 0 2711 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26000 371 13 0.5494127585768647 No 0 7.490 No No
XXXXXX-1090     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-07-2025 800 800                                     800 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.03 45.31 40.85 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.73 44.68 44.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 168.59 95.95 0 1287 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19338 164 6 0.11938144329896908 No 0 7.240 No No
XXXXXX-1091     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-15-2025 640 640                                     640 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.87 28.95 28.38 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.71 34.46 34.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 283.8 176.55 0 525 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26031 175 19 0.3757831924415714 No 0 14.990 No No
XXXXXX-1092     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-07-2025 756 756                                     756 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.76 35.01 39.89 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.48 83.74 83.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1198.44 551.0 0 2321 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30500 259 9 0.40401379310344826 No 0 8.990 No No
XXXXXX-1093     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-07-2025 716 716                                     716 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.42 51.67 55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.38 84.08 84.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 552.27 245.85 0 1065 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48226 225 11 0.5443893591293834 No 0 8.240 No No
XXXXXX-1094     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-07-2025 703 703     [Redacted] [Redacted] US Citizen 11-07-2025 728 728                     728 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.3 49.12 53.35 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 16.08 69.01 69.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1182.43 576.87 0 1834 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51518 194 14 0.22259500943938273 No 0 10.490 No No
XXXXXX-1095     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-07-2025 663 663                                     663 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.51 52.32 54.99 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.69 52.93 52.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 260.16 161.84 0 724 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33925 180 15 0.8715981735159818 No 0 14.990 No No
XXXXXX-1096     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-07-2025 655 655                                     655 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.68 7.24 12.4 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 23.46 23.46 23.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 968.33 485.44 0   HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38299 187 2 0.936 No 0 11.240 No No
XXXXXX-1097     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-08-2025 761 761                                     761 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.76 28.78 33.77 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.23 8.23 8.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.78 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 155160 187 6 0.01872 No 0 6.990 No No
XXXXXX-1098     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-08-2025 714 714     [Redacted] [Redacted] US Citizen 11-08-2025 780 780                     780 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 0.68 20.14 20.14 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 1.84 38.44 38.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 91.97 53.3 0 614.03 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 66176 228 19 0.30175217048145225 No 0 8.990 No No
XXXXXX-1099     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-08-2025 671 671                                     671 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.36 53.9 52.17 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.81 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 357.03 214.91 0 1708 HELOC - ARM 180 180 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22678 140 17 0.6346846846846846 No 0 12.240 No No
XXXXXX-1100     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-09-2025 717 717                                     717 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.49 50.44 52.26 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.40 85.23 85.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 292.33 171.85 0 2330 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8400 172 9 0.568375451263538 No 0 10.240 No No
XXXXXX-1101     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-09-2025 696 696     [Redacted] [Redacted] US Citizen 11-09-2025 636 636                     696 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.59 7.76 8.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 11.58 48.90 48.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 926.67 447.85 0 1611 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8500 128 10 0.5264735122851868 No 0 10.240 No No
XXXXXX-1102     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-09-2025 706 706                                     706 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.74 36.2 35.08 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.08 67.71 67.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 421.09 421.09 0 5309.18 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29200 214 7 0.3855192878338279 No 0 8.990 No No
XXXXXX-1103     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-10-2025 672 672                                     672 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.69 46.92 49.1 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.12 71.73 71.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 530.62 277.39 0 2556 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45125 64 4 0.9035403726708074 No 0 12.490 No No
XXXXXX-1104     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-10-2025 813 813                                     813 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.46 38.55 42.15 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.43 80.17 80.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1081.62 454.43 0 2684 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33863 100 14 0.0013537227375282025 No 0 6.990 No No
XXXXXX-1105     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-10-2025 661 661     [Redacted] [Redacted] US Citizen 11-10-2025 661 661                     661 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.74 48.02 46.47 [Redacted] Employed Stated Stated N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 9.56 59.74 59.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 1051.67 562.7 0 1299 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20882 162 8 0.8707511737089202 No 0 13.240 No No
XXXXXX-1106     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-10-2025 715 715                                     715 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.36 54.99 53.55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 25.18 25.18 25.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 348.44 348.44 0   HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 6908 56 11 0.3988694481830417 No 0 8.740 No No
XXXXXX-1107     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-11-2025 803 803                                     803 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.83 22.04 24.59 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.09 56.44 56.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 256.18 146.16 0 2721 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57365 256 8 0.046221662468513856 No 0 7.490 No No
XXXXXX-1108     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-11-2025 738 738     [Redacted] [Redacted] US Citizen 11-11-2025 793 793                     793 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.78 16.78 13.8 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 30.84 30.84 30.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.56 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29700 451 10 0.47033296337402886 No 0 6.990 No No
XXXXXX-1109     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-11-2025 706 706     [Redacted] [Redacted] US Citizen 11-11-2025 748 748                     748 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.21 47.39 48.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.51 72.37 72.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 775.13 337.37 0 3691 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8133 141 3 0.061343283582089556 No 0 7.740 No No
XXXXXX-1110     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-13-2025 660 660                                     660 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.34 29.04 28.28 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.64 70.97 70.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 597.79 294.35 0 1208 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14000 255 9 0.9989610389610389 No 0 10.740 No No
XXXXXX-1111     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-13-2025 771 771     [Redacted] [Redacted] US Citizen 11-13-2025 736 736                     771 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.47 38.03 41.49 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 17.19 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2550.94 1071.74 0 3684 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 113568 323 18 0.10695761293920802 No 0 6.990 No No
XXXXXX-1112     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-13-2025 791 791                                     791 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.64 46.24 50.85 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.08 82.74 82.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1074.49 456.87 0 4384 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29000 182 13 0.09994107744107744 No 0 7.240 No No
XXXXXX-1113     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-13-2025 696 696                                     696 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.56 48.66 52.04 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.67 42.28 42.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 570.44 275.69 0 1511 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16532 157 7 0.685265306122449 No 0 10.240 No No
XXXXXX-1114     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-13-2025 726 726                                     726 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.46 8.35 7.17 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.15 3.15 3.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 131.37 75.33 0   HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7200 79 2 0.4772941176470588 No 0 7.990 No No
XXXXXX-1115     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-14-2025 713 713                                     713 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.12 39.04 38.86 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.68 2.68 2.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 318.63 194.72 0   HELOC - ARM 180 180 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 64433 171 7 0.3222141119221411 No 0 13.490 No No
XXXXXX-1116     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-14-2025 747 747                                     747 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.98 36.84 32.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.41 79.85 79.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1596.21 710.57 0 3013 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50305 330 6 0.7318630136986302 No 0 8.240 No No
XXXXXX-1117     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-15-2025 681 681                                     681 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.51 51.16 54.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.02 58.11 58.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 751.09 392.71 0 1794 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 295 14 0.38260145450507965 No 0 12.490 No No
XXXXXX-1118     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-15-2025 752 752                                     752 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.63 39.19 41.38 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.72 21.64 21.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 277.71 277.71 0 1295 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32900 231 7 0.4163981588032221 No 0 9.990 No No
XXXXXX-1119     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-16-2025 688 688     [Redacted] [Redacted] US Citizen 11-16-2025 751 751                     751 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.02 38.55 42.09 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 7.54 63.94 63.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 886.78 394.8 0 2550 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 62499 604 16 0.40556813037573564 No 0 8.240 No No
XXXXXX-1120     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-09-2025 783 783                                     783 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.69 43.98 40.96 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.35 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1190.48 512.24 0 4031 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 62072 127 29 0.024379996787227996 No 0 7.490 No No
XXXXXX-1121     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-17-2025 821 821                                     821 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.81 26.1 28.77 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.23 49.61 49.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 735.7 323.9 0 1120 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.250 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41612 216 9 0.00875 No 0 7.990 No No
XXXXXX-1122     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-17-2025 687 687                                     687 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.81 17.02 18.52 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.60 15.60 15.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 653.71 303.72 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 54 11 0.2208505747126437 No 0 9.240 No No
XXXXXX-1123     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-17-2025 680 680                                     680 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.29 55 51.68 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.42 52.20 52.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 212.15 127.34 0 1859.25 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9300 235 6 0.46355400696864113 No 0 11.990 No No
XXXXXX-1124     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-18-2025 685 685                                     685 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.58 24.71 24.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.59 53.62 53.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 118.26 73.58 0 1177 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16297 319 12 0.21725342807646006 No 0 14.990 No No
XXXXXX-1125     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-18-2025 783 783                                     783 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 18.39 47.52 44.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.72 36.11 36.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 643.75 296.01 0 198 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 271 13 0.23416286149162863 No 0 8.990 No No
XXXXXX-1126     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-19-2025 711 711                                     711 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.79 23.27 23.98 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 26.32 81.92 81.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1665.83 733.4 0 1374 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25383 169 3 0.6570574162679426 No 0 7.990 No No
XXXXXX-1127     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-19-2025 701 701                                     701 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 19.1 35.13 37.24 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 55.38 55.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 954.91 482.96 0 188 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28642 166 12 0.13460282916213276 No 0 11.490 No No
XXXXXX-1128     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-19-2025 846 846                                     846 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.33 34.19 39.16 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.95 26.58 26.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1649.05 717.81 0 830 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57235 304 7 0.042911534154535275 No 0 7.740 No No
XXXXXX-1129     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-20-2025 711 711                                     711 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.53 30.54 35.16 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.99 55.86 55.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 571.51 270.93 0 1289 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48225 323 4 0.6914583333333333 No 0 9.740 No No
XXXXXX-1130     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-20-2025 685 685     [Redacted] [Redacted] US Citizen 11-21-2025 682 682                     685 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.2 38.87 41.93 [Redacted] Employed Stated Stated N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 9.69 80.50 80.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 492.7 242.63 0 1561 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16937 267 3 0.4864056939501779 No 0 10.740 No No
XXXXXX-1131     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-22-2025 686 686                                     686 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.86 25.82 28.75 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.34 77.94 77.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 797.98 392.97 0 1401 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38396 246 10 0.4678804347826087 No 0 10.740 No No
XXXXXX-1132     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-23-2025 696 696     [Redacted] [Redacted] US Citizen 11-23-2025 734 734                     734 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.28 42.53 42.53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.76 83.17 83.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1744.32 835.05 0 640.19 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26762 351 14 0.27257440434915264 No 0 9.990 No No
XXXXXX-1133     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 06-02-2025 692 692                                     692 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 34.57 38.31 40.56 [Redacted] Unknown Manual Verification 1099 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.45 13.45 13.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 853.75 384.36 0   HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44031 167 22 0.28448132780082985 No 0 8.740 No No
XXXXXX-1134     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-30-2025 790 790     [Redacted] [Redacted] US Citizen 07-30-2025 800 800                     800 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6 21.7 24.72 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.60 79.20 79.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 950.58 432.53 0 2319 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21200 159 11 0.14609126984126983 No 0 0.0 No No
XXXXXX-1135     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-01-2025 806 806     [Redacted] [Redacted] US Citizen 08-01-2025 850 850                     850 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.71 45.05 50.64 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.27 28.50 28.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 257.93 146.45 0 925.4 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12500 311 4 0.01826811139965971 No 0 6.990 No No
XXXXXX-1136     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-05-2025 690 690                                     690 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.91 37.64 39.11 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.16 63.29 63.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 407.3 242.31 0 2017 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27331 147 11 0.36862514688601644 No 0 11.240 No No
XXXXXX-1137     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-10-2025 755 755                                     755 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 20 45.17 41.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1583.24 772.56 0   HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12882 245 20 0.13363123448431505 No 0 10.490 No No
XXXXXX-1138     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-11-2025 760 760                                     760 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 24.14 41.31 45.84 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.85 15.85 15.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2092.15 879.1 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18000 223 7 0.2631472868217054 No 0 6.990 No No
XXXXXX-1139     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-29-2025 738 738                                     738 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 22.26 54.7 54.69 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.87 53.79 41.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1020.93 507.29 0 545.36 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 35474 220 16 0.1474646840148699 No 0 10.990 No No
XXXXXX-1140     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-18-2025 848 848     [Redacted] [Redacted] US Citizen 08-18-2025 850 850                     850 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.64 23.37 25.58 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.45 43.58 43.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1830.44 769.05 0 1178 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27700 468 5 0.07511831726555653 No 0 6.990 No No
XXXXXX-1141     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 08-21-2025 766 766     [Redacted] [Redacted] US Citizen 08-21-2025 708 708                     766 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.12 43.62 47.33 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 14.78 83.77 83.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1116.71 518.85 0 1349 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33318 303 8 0.315239852398524 No 0 9.240 No No
XXXXXX-1142     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-20-2025 766 766                                     766 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.94 33.35 34.7 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.52 69.82 69.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.57 0 2428 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 73439 248 14 0.12955922865013775 No 0 6.990 No No
XXXXXX-1143     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-03-2025 746 746     [Redacted] [Redacted] US Citizen 08-22-2025 708 708                     746 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.43 47.12 49.85 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.11 70.51 70.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 2717.5 1288.16 0 2701 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50146 237 11 0.35125230202578267 No 0 9.740 No No
XXXXXX-1144     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-05-2025 655 655                                     655 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.06 17.38 17.71 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.92 4.92 4.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 141.23 82.32 0   HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45480 257 14 0.8791287386215865 No 0 9.490 No No
XXXXXX-1145     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-16-2025 715 715                                     715 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.94 49.46 46.56 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.51 76.63 76.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 150.65 87.82 0 1788 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42921 190 15 0.13242369838420107 No 0 9.490 No No
XXXXXX-1146     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 818 818                                     818 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.5 17.34 16.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.25 36.99 36.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 198.84 112.9 0 2057 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 384 7 0 No 0 6.990 No No
XXXXXX-1147     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-24-2025 786 786                                     786 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.55 11.23 12.76 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.61 24.88 24.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 591.68 248.61 0 1308 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   3 [Redacted] Existing 1st and 2nd ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57000 222 6 0.0593801652892562 No 0 6.990 No No
XXXXXX-1148     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-30-2025 838 838                                     838 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.66 45.09 49.65 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.00 87.03 87.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 665.62 279.68 0 2036 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26500 302 17 0.029821162444113265 No 0 6.990 No No
XXXXXX-1149     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-01-2025 816 816     [Redacted] [Redacted] US Citizen 10-01-2025 792 792                     816 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.37 40.88 40.72 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.19 85.23 85.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 533.95 237.72 0 4301 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 0 258 0 0.7007293606455618 No 0 8.240 No No
XXXXXX-1150     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-05-2025 702 702     [Redacted] [Redacted] US Citizen 10-05-2025 761 761                     761 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.92 28.79 29.04 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.16 79.38 79.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.56 0 3044 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 102857 186 10 0.3954232659748771 No 0 6.990 No No
XXXXXX-1151     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-07-2025 656 656                                     656 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.69 46.2 45.8 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.39 69.82 69.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 989.17 504.6 0 979 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39278 162 10 0.7576328177538668 No 0 11.740 No No
XXXXXX-1152     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-19-2025 828 828                                     828 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.89 33.57 38.28 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.74 64.45 64.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1164.83 489.38 0 1995 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17800 98 6 0.09338815789473684 No 0 6.990 No No
XXXXXX-1153     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-13-2025 700 700                                     700 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.56 20.02 25.2 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.47 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 490.29 227.77 0 4231.24 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44718 217 17 0.386394640682095 No 0 9.240 No No
XXXXXX-1154     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-13-2025 742 742                                     742 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.59 20.77 23.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.50 87.68 87.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 606.92 301.56 0 1549 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24000 266 3 0.6249507389162562 No 0 10.990 No No
XXXXXX-1155     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-21-2025 788 788     [Redacted] [Redacted] US Citizen 10-21-2025 797 797                     797 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.19 45.18 46.51 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 6.49 65.18 65.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 399.37 167.79 0 1865 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 301 9 0.060339378616229886 No 0 6.990 No No
XXXXXX-1156     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-24-2025 698 698     [Redacted] [Redacted] US Citizen 10-24-2025 795 795                     795 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.45 54.79 53.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.87 45.01 45.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1224.02 574.43 0 5363 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 488611 390 5 0.8444658652755727 No 0 9.490 No No
XXXXXX-1157     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-13-2025 805 805                                     805 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.97 42.7 41.08 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.12 39.56 39.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.81 188.94 0 630 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 17700 240 10 0.038336557059961314 No 0 6.990 No No
XXXXXX-1158     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-24-2025 850 850     [Redacted] [Redacted] US Citizen 10-24-2025 833 833                     850 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.87 49.5 45.52 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.00 22.41 22.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2496.06 1048.68 0 2088 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42000 398 2 0.02845238095238095 No 0 6.990 No No
XXXXXX-1159     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-25-2025 784 784                                     784 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.54 30.9 33.3 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.22 38.26 38.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 399.22 167.73 0 1379 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25900 427 10 0.19961157024793388 No 0 6.990 No No
XXXXXX-1160     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 802 802                                     802 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.64 30.72 34.09 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 23.37 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1704.76 716.23 0 2124 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23800 271 8 0.16544959128065395 No 0 6.990 No No
XXXXXX-1161     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 742 742                                     742 [Redacted] [Redacted] NH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.02 43.05 39.37 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 39.17 39.17 79.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 941.09 941.09 0 1132 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 65900 239 4 0.9210964912280701 No 0 7.740 No No
XXXXXX-1162     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-29-2025 728 728                                     728 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.49 38.18 38.63 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.26 54.64 54.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 174.92 101.39 0 1700 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41337 305 5 0.01584 No 0 8.990 No No
XXXXXX-1163     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-28-2025 722 722     [Redacted] [Redacted] US Citizen 10-29-2025 749 749                     749 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.46 55 54.51 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.56 88.55 88.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 456.37 269.86 0 2961 HELOC - ARM 180 180 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43195 415 13 0.3582038451409007 No 0 10.740 No No
XXXXXX-1164     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-29-2025 661 661                                     661 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.39 26.87 29.73 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 25.42 59.22 59.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 366.07 218.39 0 0 HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 123 12 0.8243166726720543 No 0 11.490 No No
XXXXXX-1165     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-21-2025 809 809                                     809 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.17 51.14 52.8 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.55 60.61 60.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 613.08 269.89 0 2520 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32700 206 4 0.10897826086956522 No 0 7.990 No No
XXXXXX-1166     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-27-2025 700 700     [Redacted] [Redacted] US Citizen 10-28-2025 757 757                     757 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.49 12.43 14.73 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.29 11.29 11.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 411.45 172.86 0   HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23423 123 2 0.36230769230769233 No 0 6.990 No No
XXXXXX-1167     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-31-2025 764 764                                     764 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 21.57 44.55 49.05 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 24.09 75.42 75.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1673.72 703.19 0 1670 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18500 381 6 0.2919830508474576 No 0 6.990 No No
XXXXXX-1168     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-01-2025 773 773                                     773 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.61 36.44 37.67 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.77 47.20 47.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 249.61 141.71 0 1255 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46200 333 3 0.27696188340807176 No 0 6.990 No No
XXXXXX-1169     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-03-2025 795 795     [Redacted] [Redacted] US Citizen 11-03-2025 836 836                     836 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.57 41.92 44.73 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.09 45.18 45.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.78 0 1717 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25881 474 7 0.04135284469992516 No 0 6.990 No No
XXXXXX-1170     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-03-2025 697 697                                     697 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.79 50.24 55 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.20 19.82 19.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 473.02 294.26 0 272.29 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11480 155 11 0.2584705882352941 No 0 14.990 No No
XXXXXX-1171     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-04-2025 786 786                                     786 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.92 35.86 33.92 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.77 4.77 7.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 249.61 141.71 0   HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 23849 194 4 0 No 0 6.990 No No
XXXXXX-1172     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-05-2025 790 790                                     790 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.78 34.49 36.69 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.29 62.13 62.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1891.06 887.58 0 2009 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 64255 217 12 0.23783208020050126 No 0 9.490 No No
XXXXXX-1173     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-05-2025 711 711                                     711 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.76 29.27 33.94 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.44 70.86 70.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 762.01 361.24 0 1277 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24000 239 4 0.7368269230769231 No 0 9.740 No No
XXXXXX-1174     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-05-2025 677 677     [Redacted] [Redacted] US Citizen 11-05-2025 695 695                     695 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.7 31.13 29.42 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 11.88 69.49 69.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 989.17 504.51 0 2624 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29464 193 7 0.47900921658986173 No 0 11.740 No No
XXXXXX-1175     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-10-2025 820 820     [Redacted] [Redacted] US Citizen 11-10-2025 813 813                     820 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.65 23.63 22.89 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 19.24 61.80 61.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1398.35 1398.35 0 2566 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 72820 214 4 0.09778807180081066 No 0 6.990 No No
XXXXXX-1176     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-10-2025 662 662                                     662 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.8 42.84 45 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.35 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 793.18 439.94 0 3415 HELOC - ARM 360 360 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21130 432 31 0.8461144791748682 No 0 14.490 No No
XXXXXX-1177     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-05-2025 794 794     [Redacted] [Redacted] US Citizen 11-05-2025 818 818                     818 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.95 39.96 42.36 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 8.02 44.60 44.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 418.43 175.8 0 1617 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23435 311 4 0.1848881239242685 No 0 6.990 No No
XXXXXX-1178     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-11-2025 813 813                                     813 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.28 19.06 18.26 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.39 22.39 22.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 753.11 316.43 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8500 280 3 0.18431137724550897 No 0 6.990 No No
XXXXXX-1179     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-04-2025 760 760     [Redacted] [Redacted] US Citizen 11-04-2025 840 840                     840 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.39 33.93 36.74 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.82 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1082.46 471.18 0 2919 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 72081 197 6 0.3394437726723096 No 0 7.740 No No
XXXXXX-1180     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-13-2025 784 784     [Redacted] [Redacted] US Citizen 11-13-2025 838 838                     838 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.84 44.03 44.98 [Redacted] Employed Work Number Tax Return/Transcript N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.14 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 621.39 267.35 0 3644 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33129 263 4 0.033066884176182705 No 0 7.490 No No
XXXXXX-1181     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-13-2025 721 721                                     721 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.71 46.6 50.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.41 77.32 77.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 692.67 337.97 0 1477 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29616 256 17 0.3721809369951535 No 0 10.490 No No
XXXXXX-1182     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-12-2025 694 694                                     694 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 26.03 45.62 45.17 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.81 8.81 8.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 584.65 282.59 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 324 7 0.600421052631579 No 0 10.240 No No
XXXXXX-1183     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-14-2025 705 705     [Redacted] [Redacted] US Citizen 11-14-2025 779 779                     779 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.5 37.12 39.08 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.93 56.39 56.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 6996.67 3216.71 0 7409 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 87949 426 7 0.48696649520367025 No 0 0.0 No No
XXXXXX-1184     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-15-2025 699 699                                     699 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.43 50.04 54.97 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.60 51.33 51.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 968.33 485.5 0 1230 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 213 11 0.45850415512465376 No 0 11.240 No No
XXXXXX-1185     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-16-2025 711 711     [Redacted] [Redacted] US Citizen 11-16-2025 775 775                     775 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.68 18.27 20.8 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 8.53 34.36 34.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 625.09 262.64 0 1262 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 84470 216 7 0.413335734870317 No 0 6.990 No No
XXXXXX-1186     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-17-2025 790 790                                     790 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.88 50.29 50.94 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.00 51.57 51.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1603.33 681.8 0 2836 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 100000 166 10 0.22224327784891165 No 0 7.240 No No
XXXXXX-1187     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-18-2025 772 772                                     772 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.77 11.87 11.65 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.69 2.69 2.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 199.68 113.37 0   HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24391 205 9 0.12194164595054298 No 0 6.990 No No
XXXXXX-1188     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-18-2025 673 673     [Redacted] [Redacted] US Citizen 11-18-2025 649 649                     673 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.56 49.81 52.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 19.18 59.94 59.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.16 0 925 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40228 124 5 0.7380560131795717 No 0 14.990 No No
XXXXXX-1189     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-19-2025 783 783                                     783 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.41 50.27 53.08 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.48 47.83 47.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 499.21 209.75 0 1462 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 56997 167 19 0.28199493622509914 No 0 6.990 No No
XXXXXX-1190     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-20-2025 800 800                                     800 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.87 33.91 36.45 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.66 77.64 77.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.79 0 1642 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15600 126 6 0.017596330275229357 No 0 6.990 No No
XXXXXX-1191     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-19-2025 848 848     [Redacted] [Redacted] US Citizen 11-19-2025 820 820                     848 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.4 28.38 29.62 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.73 53.08 53.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 530.26 222.8 0 2681 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29179 346 11 0.08520829441434709 No 0 6.990 No No
XXXXXX-1192     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-20-2025 757 757                                     757 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.27 18.14 17.03 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.69 70.81 70.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 582.41 244.71 0 731 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17111 114 22 0.03890451907860032 No 0 6.990 No No
XXXXXX-1193     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-19-2025 720 720                                     720 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.85 30.25 33.27 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 23.74 52.98 52.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 987.51 444.49 0 712.21 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57442 191 11 0.28491329735468457 No 0 8.490 No No
XXXXXX-1194     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-20-2025 691 691                                     691 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.98 55 50.48 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.16 11.16 11.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - Fixed Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 857.19 489.02 0   HELOC - Fixed 180 180 [Redacted]                         [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31863 270 15 0.4087948717948718 No 0 11.990 No No
XXXXXX-1195     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-20-2025 818 818     [Redacted] [Redacted] US Citizen 11-20-2025 800 800                     818 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.72 20.03 18.39 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.48 33.95 33.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 454.86 206.95 0 1030 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33200 356 6 0.2080812324929972 No 0 8.740 No No
XXXXXX-1196     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-21-2025 690 690                                     690 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.11 54.99 51.61 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.81 3.81 3.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 681.8 364.86 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40015 201 17 0.43723856788372917 No 0 13.240 No No
XXXXXX-1197     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-21-2025 640 640     [Redacted] [Redacted] US Citizen 11-21-2025 815 815                     815 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.55 31.13 33.35 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.73 20.73 20.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1004.24 421.95 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25969 247 16 0.3885520974289581 No 0 6.990 No No
XXXXXX-1198     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-19-2025 755 755                                     755 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.01 32.69 32.77 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.94 81.92 81.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 101.16 57.57 0 2499 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14609 165 5 0.3814814814814815 No 0 7.240 No No
XXXXXX-1199     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-22-2025 795 795                                     795 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.43 28.77 29.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.06 43.29 43.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 99.84 56.69 0 1921 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8000 161 2 0.06263157894736843 No 0 6.990 No No
XXXXXX-1200     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-22-2025 725 725                                     725 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.33 54.99 52.5 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 27.02 58.46 58.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1496.49 723.33 0 969 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42066 287 6 0.672137030995106 No 0 10.240 No No
XXXXXX-1201     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-23-2025 643 643                                     643 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.26 21.34 19.1 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.02 3.02 3.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 155.51 95.04 0   HELOC - ARM 180 180 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 294 4 0.9619834710743802 No 0 13.490 No No
XXXXXX-1202     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-23-2025 661 661                                     661 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.78 34.1 36.07 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.11 77.31 77.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 999.58 514.19 0 2067 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 76607 521 9 0.9833519553072626 No 0 11.990 No No
XXXXXX-1203     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-23-2025 783 783                                     783 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.39 16.16 18.49 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.24 1.24 1.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 133.12 75.58 0   HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16700 215 12 0.052524590163934425 No 0 6.990 No No
XXXXXX-1204     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-23-2025 688 688                                     688 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.64 54.63 54.64 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.49 80.26 80.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.16 0 3452 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24230 139 16 0.515575966322235 No 0 14.990 No No
XXXXXX-1205     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-23-2025 672 672     [Redacted] [Redacted] US Citizen 11-23-2025 731 731                     731 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.32 50.46 52.36 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.94 76.17 76.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1822.9 872.68 0 2098 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43581 249 13 0.5353062653442882 No 0 9.990 No No
XXXXXX-1206     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-24-2025 735 735                                     735 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 17.61 48.28 47.59 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.16 59.63 59.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 953.61 452.07 0 1231 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18910 324 6 0.22993548387096774 No 0 9.740 No No
XXXXXX-1207     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-24-2025 767 767                                     767 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 23.25 42.02 47.76 [Redacted] Employed Manual Verification Paystub W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 23.65 69.95 69.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 2912.07 1223.56 0 2055 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45987 315 8 0.1405263157894737 No 0 6.990 No No
XXXXXX-1208     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-24-2025 772 772                                     772 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.72 45.52 40.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.13 75.33 75.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 193.36 109.78 0 962 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28643 63 3 0 No 0 6.990 No No
XXXXXX-1209     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-25-2025 699 699                                     699 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 25.34 38.6 41.36 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.65 62.36 62.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 692.18 337.73 0 0 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7666 225 12 0.10448172833831303 No 0 10.490 No No
XXXXXX-1210     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-25-2025 675 675                                     675 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.71 45.17 48.79 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.03 26.15 26.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 617.51 312.32 0 1248 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8379 244 14 0.5258937691521961 No 0 11.490 No No
XXXXXX-1211     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-25-2025 682 682                                     682 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.85 32.06 31 [Redacted] Employed Manual Verification Tax Return/Transcript W2 or Equivalent 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.55 43.62 43.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 525.2 272.39 0 2204 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15185 256 14 0.11605550049554014 No 0 12.240 No No
XXXXXX-1212     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-25-2025 777 777                                     777 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.86 40.76 39.79 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.19 33.65 33.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 199.68 113.37 0 1359 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 307 3 0.16071428571428573 No 0 6.990 No No
XXXXXX-1213     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-25-2025 809 809                                     809 [Redacted] [Redacted] IN [Redacted] [Redacted] Investment Refinance Cash Out - Home Improvement/Reno 5.05 42 44.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.37 59.70 59.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1832.5 877.27 0 2189 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 57053 252 13 0.11467153284671533 No 0 9.990 No No
XXXXXX-1214     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-26-2025 821 821                                     821 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.46 25.9 24.71 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 23.36 71.17 71.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 499.21 209.75 0 704 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 58876 98 6 0.014300254452926209 No 0 6.990 No No
XXXXXX-1215     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-10-2025 703 703                                     703 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.43 31.35 31.23 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.57 78.47 78.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 445.97 198.55 0 5031.89 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 118 11 0.11552244815784175 No 0 8.240 No No
XXXXXX-1216     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-26-2025 775 775                                     775 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.59 19.87 22.94 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.80 67.59 67.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 998.42 419.51 0 2104 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37500 160 5 0.34551804423748544 No 0 6.990 No No
XXXXXX-1217     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-27-2025 737 737                                     737 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.89 35.06 32.47 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.61 5.61 5.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 376.61 215.98 0   HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27800 258 11 0.4272208737864078 No 0 7.990 No No
XXXXXX-1218     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-27-2025 764 764                                     764 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.78 41.94 46.48 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.65 57.83 57.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 439.07 193.31 0 1323 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31115 341 9 0.19628140703517588 No 0 7.990 No No
XXXXXX-1219     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-28-2025 698 698                                     698 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.37 26.34 28.03 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.79 43.23 43.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 686.05 331.61 0 1265.18 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24300 12 5 0.47087591240875915 No 0 10.240 No No
XXXXXX-1220     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-28-2025 685 685                                     685 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.94 51.62 53.62 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.12 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 542.88 283.84 0 2503 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26199 240 20 0.18320293398533008 No 0 12.490 No No
XXXXXX-1221     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-21-2025 657 657     [Redacted] [Redacted] US Citizen 11-28-2025 655 655                     657 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.75 47.02 47.95 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 6.87 76.22 76.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 335.04 204.75 0 1312 HELOC - ARM 180 180 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 0 131 0 0 No 0 13.490 No No
XXXXXX-1222     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-28-2025 693 693                                     693 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.08 44.72 48.29 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.70 71.42 71.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 937.08 457.23 0 1602 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17254 162 16 0.7277176470588236 No 0 10.490 No No
XXXXXX-1223     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-28-2025 770 770     [Redacted] [Redacted] US Citizen 11-28-2025 744 744                     770 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.36 41.27 43.82 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.58 79.21 79.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 487.21 235.49 0 2307 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20520 55 6 0.16245709123757904 No 0 10.240 No No
XXXXXX-1224     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-28-2025 657 657                                     657 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.27 51.59 34.43 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.89 49.84 49.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 323.74 323.74 0 1223 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23926 219 6 0.030070921985815603 No 0 14.990 No No
XXXXXX-1225     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-28-2025 665 665     [Redacted] [Redacted] US Citizen 11-28-2025 670 670                     670 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.92 38.1 39.42 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.75 4.75 4.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 519.78 267.38 0   HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23934 246 9 0.767883008356546 No 0 11.990 No No
XXXXXX-1226     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-30-2025 689 689                                     689 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.51 49.31 44.84 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 21.39 21.39 21.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 1041.25 553.0 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 233 12 0.47626329787234045 No 0 12.990 No No
XXXXXX-1227     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-30-2025 701 701                                     701 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.57 38.44 35.99 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.63 69.42 69.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 808.65 401.85 0 1544 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23650 293 5 0.6327148288973384 No 0 10.990 No No
XXXXXX-1228     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-30-2025 708 708     [Redacted] [Redacted] US Citizen 11-30-2025 703 703                     708 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.9 50.11 50.88 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 28.94 52.40 52.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1915.83 952.05 0 3690 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47000 257 11 0.7039238653001464 No 0 10.990 No No
XXXXXX-1229     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-01-2025 774 774     [Redacted] [Redacted] US Citizen 12-01-2025 843 843                     843 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.61 29.68 29.58 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 17.17 69.65 69.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1366.28 587.88 0 1313 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33992 139 9 0.11350984483642482 No 0 7.490 No No
XXXXXX-1230     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-01-2025 716 716                                     716 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.04 50.64 52.44 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.02 67.76 67.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 2207.5 1224.41 0 4720 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32607 536 23 0.7273896674335913 No 0 14.490 No No
XXXXXX-1231     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-01-2025 702 702                                     702 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.56 28.24 33.03 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 24.57 58.51 58.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 1149.66 545.01 0 1753.5 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43762 291 5 0.8917777777777778 No 0 9.740 No No
XXXXXX-1232     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-01-2025 764 764     [Redacted] [Redacted] US Citizen 12-01-2025 753 753                     764 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.55 41.45 45.41 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 40.00 70.03 70.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1577.48 1577.48 0 1653.8 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49385 364 18 0.26666169895678093 No 0 7.740 No No
XXXXXX-1233     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-01-2025 806 806                                     806 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 0.81 54.05 53.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 0.68 67.73 67.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 99.84 56.69 0 5589 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 328226 336 13 0.09270001094451133 No 0 6.990 No No
XXXXXX-1234     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-01-2025 684 684                                     684 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.68 37.14 36.54 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.49 70.48 70.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 968.33 485.5 0 3350 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 283120 230 8 0.8532379248658318 No 0 11.240 No No
XXXXXX-1235     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-01-2025 656 656                                     656 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.32 41.14 45.82 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.23 49.09 49.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 978.75 495.02 0 1767 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 93366 264 28 0.3626855123674912 No 0 11.490 No No
XXXXXX-1236     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-02-2025 704 704                                     704 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.47 45.92 48.09 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.46 80.14 80.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 742.8 412.0 0 1877 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 287 5 0.6400342924054868 No 0 14.490 No No
XXXXXX-1237     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-02-2025 682 682                                     682 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.9 48.14 51.65 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.44 49.56 49.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 463.33 272.42 0 545 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47987 444 6 0.4770967741935484 No 0 10.240 No No
XXXXXX-1238     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-03-2025 744 744                                     744 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.23 45.21 48.01 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.16 84.87 84.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 454.78 209.09 0 1952 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19562 221 23 0.007426160337552743 No 0 8.990 No No
XXXXXX-1239     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-03-2025 704 704                                     704 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.65 33.75 32.16 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.21 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 256.18 152.4 0 2316 HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16829 187 24 0.3264393939393939 No 0 11.240 No No
XXXXXX-1240     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-20-2025 716 716                                     716 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.65 44.32 39.48 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 35.64 65.68 65.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 753.24 353.54 0 354.42 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27825 151 12 0.41116036505867015 No 0 9.490 No No
XXXXXX-1241     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 842 842                                     842 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4 35.06 36.74 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.54 64.37 64.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 350.34 200.91 0 2834 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17500 249 15 0.03195701357466063 No 0 7.990 No No
XXXXXX-1242     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 667 667                                     667 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.32 47.89 49.42 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.28 77.67 78.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 429.2 259.16 0 1574 HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35825 110 13 0.6194339622641509 No 0 12.490 No No
XXXXXX-1243     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 640 640                                     640 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.66 6.18 5.66 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.06 5.06 5.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 554.38 296.67 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25300 134 2 0.39453125 No 0 13.240 No No
XXXXXX-1244     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 771 771                                     771 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.49 9.21 4.49 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.89 7.89 7.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 590.08 250.92 0   HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23346 259 8 0.16441696113074206 No 0 7.240 No No
XXXXXX-1245     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 697 697                                     697 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.63 37.95 39.8 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.48 68.83 68.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 646.52 338.03 0 1920 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23800 280 2 0.9411857707509882 No 0 1249 No No
XXXXXX-1246     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 766 766                                     766 [Redacted] [Redacted] PA [Redacted] [Redacted] Investment Refinance Cash Out - Other 7.71 35.48 39.19 [Redacted] Employed Work Number Work Number Work Number 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.01 59.47 59.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 963.46 461.24 0 1660 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 66188 218 11 0.09838187702265372 No 0 9.990 No No
XXXXXX-1247     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-05-2025 646 646                                     646 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.41 45.16 45.05 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.49 76.81 76.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.74 14.74 622.17 622.17 0 1987 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 60977 334 18 0.727394299608267 No 0 14.740 No No
XXXXXX-1248     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-05-2025 650 650     [Redacted] [Redacted] US Citizen 12-05-2025 697 697                     697 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 19.88 36.06 37 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.99 20.99 20.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 968.33 485.5 0   HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10900 236 4 0.5974293785310735 No 0 0.0 No No
XXXXXX-1249     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-05-2025 725 725                                     725 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.33 33 30.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 25.70 66.17 66.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1023.66 475.6 0 910.83 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25961 162 8 0.31585081585081587 No 0 9.240 No No
XXXXXX-1250     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-05-2025 657 657                                     657 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.77 43.27 42.67 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.30 70.08 70.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 999.58 514.19 0 1471 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted] [Redacted] [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20761 334 14 0.7660465116279069 No 0 11.990 No No
XXXXXX-1251     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-06-2025 824 824                                     824 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.44 37.19 41.45 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.26 26.76 26.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 951.37 414.12 0 1480 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 112746 437 11 0.05647058823529412 No 0 7.740 No No
XXXXXX-1252     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-06-2025 713 713                                     713 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.53 22.28 23.78 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.04 6.04   [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 437.92 192.8 0   HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18000 372 8 0.6377393310265282 No 0 7.990 No No
XXXXXX-1253     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-06-2025 779 779                                     779 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.75 33.82 33.89 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.77 80.46 80.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1970.73 961.57 0 1408 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 53157 266 7 0.18183870967741936 No 0 10.490 No No
XXXXXX-1254     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-01-2025 736 736                                     736 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.72 26.41 25.71 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.20 9.20 9.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 447.86 205.9 0   HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35000 214 6 0.13034897713598076 No 0 8.990 No No
XXXXXX-1255     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-29-2025 757 757     [Redacted] [Redacted] US Citizen 11-29-2025 778 778                     778 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.57 26.37 30.16 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.34 13.34 13.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.78 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27293 156 5 0.2036180904522613 No 0 6.990 No No
XXXXXX-1256     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-08-2025 749 749                                     749 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.89 36.8 32.51 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.44 74.51 74.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 282.47 164.66 0 2900 HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7600 219 1 0.7928947368421052 No 0 9.490 No No
XXXXXX-1257     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-08-2025 736 736                                     736 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 17.6 43.93 47.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.86 70.64 70.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1576.59 769.26 0 3198.22 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 56500 260 8 0.15592468619246863 No 0 10.490 No No
XXXXXX-1258     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-08-2025 692 692                                     692 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.41 44.17 39.55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.49 76.71 76.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 1020.42 533.52 0 2192 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17794 236 18 0.6770546696283526 No 0 12.490 No No
XXXXXX-1259     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-11-2025 763 763                                     763 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 20.97 22.13 22.13 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.66 20.66 20.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 524.33 524.33 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 1000 327 2 0.21923076923076923 No 0 6.990 No No
XXXXXX-1260     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-09-2025 701 701                                     701 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.68 31.68 33.49 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.71 69.69 69.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 275.9 159.93 0 946 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21001 59 6 0.6796551724137931 No 0 8.990 No No
XXXXXX-1261     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-09-2025 808 808                                     808 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.61 16.34 15.08 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.32 5.32 5.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 153.71 87.7 0   HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 193 22 0.011936690647482014 No 0 7.490 No No
XXXXXX-1262     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-09-2025 690 690                                     690 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.78 31.15 28.72 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 27.32 76.97 76.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.16 0 868 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 249 9 0.6632305433186491 No 0 14.990 No No
XXXXXX-1263     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-10-2025 695 695     [Redacted] [Redacted] US Citizen 12-10-2025 718 718                     718 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.51 54.99 54.14 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.96 53.92 53.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1427.75 690.1 0 1670 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32638 277 10 0.7541583166332665 No 0 10.240 No No
XXXXXX-1264     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-10-2025 695 695     [Redacted] [Redacted] US Citizen 12-10-2025 783 783                     783 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.15 32.12 29.86 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 19.62 69.87 69.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1836.59 844.37 0 2815 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28970 261 7 0.3029973552747576 No 0 8.990 No No
XXXXXX-1265     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-10-2025 733 733                                     733 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.84 37.77 41.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 21.42 74.50 74.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 1795.26 883.94 0 1719 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46381 270 6 0.5902564102564103 No 0 10.740 No No
XXXXXX-1266     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-10-2025 807 807                                     807 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.22 24.64 26.23 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.29 58.04 58.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 266.24 151.17 0 1109 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 195 7 0.07845411807802674 No 0 6.990 No No
XXXXXX-1267     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-11-2025 739 739                                     739 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.42 52.15 48.06 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.00 45.97 45.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 941.55 441.92 0 910 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 67188 289 7 0.3853978494623656 No 0 9.490 No No
XXXXXX-1268     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-11-2025 702 702                                     702 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.69 35.72 36.83 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.10 80.54 80.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 183.93 106.62 0 2283 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 3200 276 8 0.0636033448771011 No 0 8.990 No No
XXXXXX-1269     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-11-2025 695 695                                     695 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.18 55 54.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.62 58.86 58.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 189.13 112.18 0 3366 HELOC - ARM 180 180 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20934 258 10 0.3707088255733148 No 0 10.990 No No
XXXXXX-1270     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-11-2025 814 814                                     814 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2 26.13 26.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.20 47.30 47.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 232.96 132.27 0 2891 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10500 277 4 0.03957446808510638 No 0 0.0 No No
XXXXXX-1271     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-11-2025 709 709     [Redacted] [Redacted] US Citizen 12-11-2025 752 752                     752 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.34 32.59 35.16 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.77 76.93 76.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 941.55 441.92 0 2234 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38309 211 14 0.26261750364449804 No 0 9.490 No No
XXXXXX-1272     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-12-2025 735 735     [Redacted] [Redacted] US Citizen 12-12-2025 794 794                     794 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.88 30.22 33.08 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 21.47 63.33 63.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1287.51 592.01 0 1104 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21807 164 8 0.26086588693132545 No 0 8.990 No No
XXXXXX-1273     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-12-2025 655 655     [Redacted] [Redacted] US Citizen 12-12-2025 656 656                     656 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.58 49.23 46.61 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.81 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.24 14.24 432.98 267.0 0 1426 HELOC - ARM 180 180 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26000 318 20 0.9018870290263933 No 0 14.240 No No
XXXXXX-1274     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-12-2025 714 714                                     714 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.1 52.19 54.64 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.07 50.66 50.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1915.83 951.89 0 3042 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 61206 360 10 0.6076117318435754 No 0 10.990 No No
XXXXXX-1275     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-12-2025 711 711                                     711 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.89 54.63 54.76 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.20 56.73 56.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 998.05 468.44 0 2444 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26681 297 12 0.5564766839378238 No 0 9.490 No No
XXXXXX-1276     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-13-2025 770 770     [Redacted] [Redacted] US Citizen 12-13-2025 762 762                     770 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.35 43.89 39.03 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.03 42.73 42.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1391.85 605.78 0 2605 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46085 221 12 0.018267779102105683 No 0 7.740 No No
XXXXXX-1277     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-03-2025 791 791                                     791 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.55 27.71 26.64 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.53 76.67 76.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1064.14 473.76 0 3754 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35000 300 13 0.16521026372059872 No 0 8.240 No No
XXXXXX-1278     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-14-2025 770 770                                     770 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.75 41.82 42.29 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.31 83.80 83.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 213.02 121.24 0 2142 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 54800 258 6 0.45944267515923565 No 0 7.240 No No
XXXXXX-1279     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-14-2025 762 762                                     762 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 18.76 55 54.61 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.37 74.37 74.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1344.44 571.64 0 1763 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 173 5 0.37115023474178405 No 0 7.240 No No
XXXXXX-1280     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-15-2025 685 685                                     685 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.97 43.72 39.31 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.09 87.70 87.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 309.21 187.83 0 2006 HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31937 278 14 0.42585291887793786 No 0 12.990 No No
XXXXXX-1281     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-15-2025 800 800     [Redacted] [Redacted] US Citizen 12-15-2025 847 847                     847 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.07 38.17 33.64 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 1.48 15.02 15.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 111.01 63.33 0 778 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 236 6 0.030552486187845306 No 0 7.490 No No
XXXXXX-1282     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-15-2025 654 654                                     654 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.04 35.09 35.48 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.29 32.96 32.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 446.06 268.48 0 371.53 HELOC - ARM 180 180 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36455 93 16 0.43344405594405594 No 0 12.240 No No
XXXXXX-1283     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-16-2025 659 659                                     659 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.65 29.88 30.88 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.88 69.28 69.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 1020.42 533.42 0 2221 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30050 245 10 0.9504118993135011 No 0 12.490 No No
XXXXXX-1284     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-15-2025 725 725                                     725 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.34 42.57 39.31 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 0.56 23.31 23.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 157.66 92.95 0 2079 HELOC - ARM 180 180 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19184 245 26 0.18676539805233117 No 0 10.490 No No
XXXXXX-1285     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-16-2025 722 722     [Redacted] [Redacted] US Citizen 12-16-2025 745 745                     745 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.68 54.99 54.18 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.96 86.81 86.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 656.99 317.5 0 4046 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 166 9 0.14144067796610169 No 0 10.240 No No
XXXXXX-1286     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-17-2025 696 696     [Redacted] [Redacted] US Citizen 12-17-2025 688 688                     696 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 19.6 30.41 32.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 19.84 19.84 19.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 588.05 284.19 0   HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 277 7 0.571107438016529 No 0 10.240 No No
XXXXXX-1287     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-17-2025 669 669                                     669 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.34 53.52 54.52 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.82 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 487.75 293.58 0 3396 HELOC - ARM 180 180 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 52585 117 16 0.6313005600497822 No 0 12.240 No No
XXXXXX-1288     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-17-2025 716 716                                     716 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.91 43.37 45.99 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.27 67.76 67.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1008.44 501.05 0 4879 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 80467 235 22 0.2513588850174216 No 0 10.990 No No
XXXXXX-1289     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-18-2025 733 733                                     733 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.21 40.51 44.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.79 71.60 71.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 767.54 367.39 0 1568 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18700 70 5 0.27643426294820717 No 0 9.990 No No
XXXXXX-1290     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-17-2025 823 823     [Redacted] [Redacted] US Citizen 12-17-2025 840 840                     840 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.83 23.62 26.09 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.62 44.41 44.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.49 6.49 810.11 332.08 0 1977 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31249 112 4 0.010527027027027028 No 0 6.490 No No
XXXXXX-1291     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-18-2025 683 683     [Redacted] [Redacted] US Citizen 12-18-2025 747 747                     747 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.43 34.52 36.88 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 19.03 67.62 67.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1869.06 868.25 0 2258 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 60185 463 9 0.7310969387755102 No 0 9.240 No No
XXXXXX-1292     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-18-2025 783 783     [Redacted] [Redacted] US Citizen 12-18-2025 809 809                     809 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.05 46.74 48.35 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 7.11 68.62 68.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 418.43 175.79 0 1523 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41829 152 16 0.15331412103746397 No 0 6.990 No No
XXXXXX-1293     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-21-2025 736 736                                     736 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.83 32.37 33.13 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.84 69.52 69.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 179.55 103.5 0 1874 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36000 360 23 0.18784257773021817 No 0 8.490 No No
XXXXXX-1294     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-21-2025 661 661                                     661 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.29 41.29 45.3 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.40 65.47 65.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 835.03 425.88 0 881 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 67371 312 27 0.8024174476657616 No 0 11.740 No No
XXXXXX-1295     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 670 670                                     670 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.25 35.12 31.3 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.14 8.14 8.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 1051.67 562.68 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27600 250 20 0.853336422613531 No 0 13.240 No No
XXXXXX-1296     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 684 684                                     684 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.92 28.06 29.95 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.48 44.62 44.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 207.14 120.73 0 2257 HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18000 132 3 0.9176538461538462 No 0 9.490 No No
XXXXXX-1297     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 790 790                                     790 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.55 33.62 30.01 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.73 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 2089.02 970.43 0 2313 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35000 238 3 0.11201 No 0 9.240 No No
XXXXXX-1298     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-08-2025 718 718                                     718 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.77 20.14 24.56 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.93 58.41 58.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 913.98 415.79 0 1224 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 3924 119 1 0 No 0 8.740 No No
XXXXXX-1299     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 744 744                                     744 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.65 31.13 30.31 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.17 54.57 54.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 345.96 197.86 0 1562 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38700 141 6 0.24478743068391867 No 0 7.740 No No
XXXXXX-1300     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 701 701                                     701 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.53 51.37 54.47 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.31 66.47 66.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 364.41 211.21 0 1814 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9500 148 2 0.388 No 0 8.990 No No
XXXXXX-1301     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-23-2025 712 712                                     712 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.5 24.38 24.74 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.78 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 732.34 433.03 0 3032 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51500 263 8 0.7809176059692015 No 0 10.740 No No
XXXXXX-1302     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 07-02-2025 813 813     [Redacted] [Redacted] US Citizen 07-02-2025 762 762                     813 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.19 52.5 53.4 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.94 65.65 65.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 237.76 237.76 0 2111 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32500 119 6 0.01929778933680104 No 0 6.990 No No
XXXXXX-1303     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-03-2025 768 768                                     768 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.17 29.6 25.63 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.60 88.93 88.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 243.64 143.68 0 1804 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16700 68 15 0.14454277286135694 No 0 10.490 No No
XXXXXX-1304     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-10-2025 703 703     [Redacted] [Redacted] US Citizen 10-10-2025 682 682                     703 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.62 50.69 48.58 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 21.52 35.07 35.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 858.75 858.75 0 1514 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31100 349 9 0.6014679749671638 No 0 9.740 No No
XXXXXX-1305     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-23-2025 797 797                                     797 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.55 24.57 23.11 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.17 61.43 61.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1116.71 518.78 0 1444 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16996 106 11 0.012670408981555734 No 0 9.240 No No
XXXXXX-1306     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-05-2025 839 839                                     839 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.98 42.03 45.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.51 70.15 70.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 758.68 322.59 0 1574 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22700 445 12 0.0079382889200561 No 0 7.240 No No
XXXXXX-1307     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-06-2025 700 700                                     700 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.08 39.58 41.92 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.72 84.13 84.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 737.66 339.18 0 2384 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 240 17 0.45613815193928 No 0 8.990 No No
XXXXXX-1308     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-16-2025 701 701                                     701 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.35 36.8 34.48 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.92 87.76 87.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 471.03 223.27 0 6035 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 40062 84 18 0.49509230769230766 No 0 9.740 No No
XXXXXX-1309     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-14-2025 751 751                                     751 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.96 32.69 35.19 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.77 60.56 60.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 330.75 330.75 0 1916 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18870 256 15 0.40589155370177266 No 0 8.740 No No
XXXXXX-1310     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-18-2025 785 785     [Redacted] [Redacted] US Citizen 11-18-2025 792 792                     792 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.86 41.29 44.6 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 21.27 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 1181.7 560.2 0 1246 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45776 163 15 0.21057692307692308 No 0 9.740 No No
XXXXXX-1311     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-18-2025 758 758     [Redacted] [Redacted] US Citizen 11-12-2025 706 706                     758 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.05 49.05 47.33 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.96 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 552.3 264.4 0 2301 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 93661 205 13 0.25797702934034 No 0 9.990 No No
XXXXXX-1312     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-24-2025 651 651                                     651 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.96 37.33 35.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.23 25.30 25.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 161.61 95.29 0 893.48 HELOC - ARM 180 180 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7000 95 7 0.7846316680779001 No 0 10.490 No No
XXXXXX-1313     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-24-2025 695 695                                     695 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.39 41.25 39.64 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.35 74.12 74.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 389.77 229.17 0 2211 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20812 273 30 0.3179901710664124 No 0 10.240 No No
XXXXXX-1314     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-15-2025 792 792                                     792 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.77 14.83 18.81 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 23.44 73.39 73.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 582.41 244.71 0 625 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 296 15 0.06145404978178944 No 0 6.990 No No
XXXXXX-1315     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-17-2025 757 757     [Redacted] [Redacted] US Citizen   808 808                     808 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.5 18.99 18.89 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.12 57.01 57.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 665.62 279.67 0 2230 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19000 159 5 0.15721094252324988 No 0 6.990 No No
XXXXXX-1316     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-03-2025 734 734     [Redacted] [Redacted] US Citizen 11-03-2025 747 747                     747 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.38 44.24 48.11 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 22.44 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1655.25 1655.25 0 5367 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 287326 233 13 0.7386997699845327 No 0 8.490 No No
XXXXXX-1317     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-27-2025 690 690                                     690 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.08 38.83 39.88 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.30 84.41 84.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 584.78 328.72 0 3121 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35367 69 9 0.46664199358499875 No 0 0.0 No No
XXXXXX-1318     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-29-2025 753 753                                     753 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.93 35.5 37.26 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 34.41 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1798.26 818.18 0 1002 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40037 106 12 0.12981837052413078 No 0 8.740 No No
XXXXXX-1319     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-01-2025 716 716                                     716 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.32 55 49.87 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.43 55.07 55.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 419.81 419.81 0 1292 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 217 2 0.8833798103736754 No 0 11.990 No No
XXXXXX-1320     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 757 757                                     757 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.48 39.81 38.54 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 29.41 82.17 82.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1074.07 1074.07 0 1833 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 94 14 0.1076847290640394 No 0 7.740 No No
XXXXXX-1321     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-05-2025 723 723                                     723 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 23.46 50.75 52.93 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 30.19 35.65 35.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 721.23 324.63 0 152.6 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6702 132 16 0.20265137126794805 No 0 8.490 No No
XXXXXX-1322     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-13-2025 712 712                                     712 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.11 22.27 21.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.80 30.00 30 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 747.63 347.3 0 1500.98 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4850 88 7 0.4019277108433735 No 0 9.240 No No
XXXXXX-1323     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-16-2025 737 737                                     737 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.08 46.52 48.59 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.73 40.43 40.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 588.05 284.19 0 2545 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49000 425 18 0.30595435684647304 No 0 10.240 No No
XXXXXX-1324     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-17-2025 790 790                                     790 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.22 26.37 30.81 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 30.16 73.02 73.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1164.83 489.37 0 1187 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 54285 192 12 0.000741444866920152 No 0 6.990 No No
XXXXXX-1325     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-17-2025 643 643                                     643 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.65 47.47 45.1 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.80 15.80 15.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 1051.67 562.68 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34655 122 23 0.8183747505895157 No 0 13.240 No No
XXXXXX-1326     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-19-2025 736 736     [Redacted] [Redacted] US Citizen 12-23-2025 799 799                     799 [Redacted] [Redacted] AR [Redacted] [Redacted] Investment Refinance Cash Out - Home Improvement/Reno 4.18 24.11 25.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 10.07 10.07 10.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 385.39 225.9 0   HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37165 300 13 0.19164726631393297 No 0 9.990 No No
XXXXXX-1327     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-23-2025 796 796     [Redacted] [Redacted] US Citizen 12-23-2025 761 761                     796 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.83 49.03 49.41 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.40 59.96 59.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1970.73 1970.73 0 2725 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 15 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32385 159 13 0.405016754427956 No 0 10.490 No No
XXXXXX-1328     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-24-2025 754 754                                     754 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.99 33.11 34.27 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.28 86.94 86.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 261.65 150.03 0 1867 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 130 12 0.08827415474054603 No 0 7.990 No No
XXXXXX-1329     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-24-2025 661 661                                     661 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.75 43.93 44.97 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.58 46.88 46.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 218.98 133.0 0 2419 HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8300 198 6 0.2582926829268293 No 0 12.990 No No
XXXXXX-1330     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-26-2025 736 736     [Redacted] [Redacted] US Citizen 12-26-2025 771 771                     771 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.04 21.65 23.52 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.94 58.97 58.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 289.04 169.43 0 1617 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 260 10 0.2646576494498563 No 0 9.990 No No
XXXXXX-1331     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-27-2025 669 669                                     669 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.95 15.74 18.09 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.36 29.48 29.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 552.93 295.83 0 250 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4300 156 4 0.9834645669291339 No 0 13.240 No No
XXXXXX-1332     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-26-2025 768 768                                     768 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.21 35.87 38.5 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.32 71.80 71.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 360.18 204.48 0 1332 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5061 50 7 0.11503875968992248 No 0 6.990 No No
XXXXXX-1333     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-26-2025 661 661                                     661 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.71 33.08 33.24 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.22 58.79 58.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 156.6 93.4 0 1457 HELOC - ARM 180 180 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10762 207 24 0.6323948220064725 No 0 11.490 No No
XXXXXX-1334     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-28-2025 650 650                                     650 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.1 54.99 50.77 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.19 51.48 51.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 377.92 228.15 0 1651.09 HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11092 56 6 0.8998054474708171 No 0 12.490 No No
XXXXXX-1335     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-29-2025 657 657                                     657 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.49 40.95 42.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.46 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1024.43 575.72 0 1612 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 109627 88 11 0.4022680412371134 No 0 14.990 No No
XXXXXX-1336     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-23-2025 765 765                                     765 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.72 34.74 36.1 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.19 70.57 70.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 499.21 209.73 0 1515 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 62743 204 13 0.18306782608695651 No 0 6.990 No No
XXXXXX-1337     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-29-2025 747 747                                     747 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.12 43.84 45.77 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.90 56.16 56.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 432.44 188.21 0 1407 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19000 157 7 0.42731060606060606 No 0 7.740 No No
XXXXXX-1338     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-30-2025 748 748     [Redacted] [Redacted] US Citizen 12-30-2025 693 693                     748 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.83 37.3 39.78 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.84 65.30 65.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1795.47 808.06 0 3909 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22862 87 3 0.864509394572025 No 0 8.490 No No
XXXXXX-1339     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-30-2025 835 835                                     835 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.55 55 49.67 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.58 52.91 52.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 328.01 328.01 0 1414 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 223500 300 14 0.7406728971962617 No 0 8.740 No No
XXXXXX-1340     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-30-2025 696 696                                     696 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.88 34.99 34.99 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.04 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 226.1 226.1 0 1945 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16400 216 9 0.8577839335180055 No 0 14.990 No No
XXXXXX-1341     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-01-2026 694 694     [Redacted] [Redacted] US Citizen 01-01-2026 709 709                     709 [Redacted] [Redacted] DE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.32 36.73 37 [Redacted] Employed Work Number Work Number Work Number 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 15.89 71.27 71.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1169.29 565.09 0 1356 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 58018 130 15 0.7501343995699213 No 0 10.240 No No
XXXXXX-1342     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-03-2026 683 683     [Redacted] [Redacted] US Citizen 01-03-2026 760 760                     760 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.64 43.01 45.2 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 17.56 55.07 55.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 3052.31 1373.7 0 0 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 105000 549 14 0.8918686889334042 No 0 8.490 No No
XXXXXX-1343     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-03-2026 675 675     [Redacted] [Redacted] US Citizen 01-03-2026 637 637                     675 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.27 47.16 44.21 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 17.97 17.97 17.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 999.58 514.09 0   HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28315 204 11 0.8630856316993858 No 0 11.990 No No
XXXXXX-1344     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-04-2026 708 708                                     708 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.22 35.98 37.73 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.63 48.62 48.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 272.61 157.57 0 1072 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17381 119 16 0.18429739776951673 No 0 8.740 No No
XXXXXX-1345     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-04-2026 678 678                                     678 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.95 34.33 35.46 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.29 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 275.53 165.34 0 2163 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22798 62 7 0.12453531598513011 No 0 11.990 No No
XXXXXX-1346     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-05-2026 740 740                                     740 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.01 52.98 50.31 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.05 15.05 15.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 867.16 377.42 0   HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 64168 200 15 0.09391566265060242 No 0 7.740 No No
XXXXXX-1347     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-05-2026 688 688                                     688 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.8 54.24 52.48 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.05 48.70 48.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 1062.08 572.5 0 2479 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27775 137 27 0.3663229097360834 No 0 13.490 No No
XXXXXX-1348     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-05-2026 700 700                                     700 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.34 20.48 16.36 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.69 63.18 63.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 568.22 266.62 0 1517 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13417 63 4 0.6289230769230769 No 0 9.490 No No
XXXXXX-1349     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-05-2026 658 658                                     658 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.76 23.37 27.97 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.55 61.39 61.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.99 13.99 1082.92 592.22 0 1157 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 173 8 0.2546451612903226 No 0 13.990 No No
XXXXXX-1350     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-05-2026 726 726                                     726 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 26.49 41.66 46.63 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 35.78 80.30 80.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1546.86 703.7 0 787 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50495 113 5 0.8769733639335141 No 0 8.740 No No
XXXXXX-1351     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-07-2026 823 823     [Redacted] [Redacted] US Citizen 01-07-2026 821 821                     823 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.63 31.47 32.68 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 2 - Stated, Not Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 2.49 37.83 37.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.81 188.92 0 1898 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18851 169 12 0.04445018069179143 No 0 6.990 No No
XXXXXX-1352     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-07-2026 691 691                                     691 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.49 45.39 47.11 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.54 72.71 72.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.01 0 1822 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 200000 146 9 0.9252785802723896 No 0 14.990 No No
XXXXXX-1353     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-08-2026 672 672     [Redacted] [Redacted] US Citizen 01-08-2026 686 686                     686 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.3 40.77 33.7 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.81 77.48 77.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.74 14.74 468.63 290.65 0 2627 HELOC - ARM 180 180 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22132 102 13 0.2949107142857143 No 0 14.740 No No
XXXXXX-1354     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-08-2026 730 730                                     730 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.03 39.69 35.55 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.73 83.84 83.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 517.58 261.73 0 2039 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 55077 486 11 0.6126996734621833 No 0 11.490 No No
XXXXXX-1355     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-08-2026 753 753     [Redacted] [Redacted] US Citizen 01-08-2026 754 754                     754 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.44 36.79 38.65 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 4.74 65.03 65.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 426.96 183.69 0 2267 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 55396 169 6 0.3017251051893408 No 0 7.490 No No
XXXXXX-1356     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 723 723                                     723 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 0.64 9.37 13.2 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.47 23.38 23.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 85.38 49.22 0 0 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6502 26 16 0.23917224080267557 No 0 8.490 No No
XXXXXX-1357     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-29-2025 840 840     [Redacted] [Redacted] US Citizen 01-06-2026 744 744                     840 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.15 31 35.46 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 3.95 48.14 48.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 299.52 170.04 0 1407 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 64766 267 13 0.09402269861286255 No 0 6.990 No No
XXXXXX-1358     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-10-2026 676 676     [Redacted] [Redacted] US Citizen 01-10-2026 744 744                     744 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.73 47.22 45.77 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 34.36 79.83 79.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 2189.8 1162.75 0 1339 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44782 142 35 0.4930648438943285 No 0 12.990 No No
XXXXXX-1359     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-10-2026 775 775                                     775 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.48 19.83 24.19 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 31.08 84.21 84.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 958.96 412.57 0 951 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 60128 108 7 0 No 0 7.490 No No
XXXXXX-1360     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-10-2026 811 811                                     811 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.72 37.92 33.79 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.96 75.29 75.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1334.86 594.21 0 2992 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43801 148 8 0.2765349594854231 No 0 8.240 No No
XXXXXX-1361     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 708 708                                     708 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.04 36.79 40.31 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 31.47 69.09 69.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1526.16 686.85 0 1068.45 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24676 194 19 0.3954744058825619 No 0 8.490 No No
XXXXXX-1362     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-01-2026 704 704                                     704 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 22.98 34.83 41.88 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 29.86 78.70 78.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1665.83 733.31 0 1046 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15300 203 8 0.4703740648379052 No 0 0.0 No No
XXXXXX-1363     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-19-2025 685 685                                     685 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 19.68 44.34 48.68 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.06 12.06 12.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 541.45 287.44 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7000 103 3 0.47822033898305083 No 0 12.990 No No
XXXXXX-1364     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-12-2026 659 659                                     659 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.42 40.7 41.14 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.67 71.83 71.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 236.5 147.12 0 2013 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37298 122 23 0.27283248221554995 No 0 14.990 No No
XXXXXX-1365     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] Permanent Resident Alien 01-18-2026 816 816                                     816 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 0.85 27.4 27.18 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.33 56.99 56.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 162.24 92.1 0 3838 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 85138 120 7 0.07177290836653387 No 0 6.990 No No
XXXXXX-1366     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-11-2026 693 693                                     693 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.96 51.81 49.36 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 23.75 81.39 81.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 989.17 504.49 0 1030 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 177 9 0.4741524105754277 No 0 11.740 No No
XXXXXX-1367     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-13-2026 696 696                                     696 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.7 16.37 20.22 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.78 17.78 17.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 895.42 420.21 0   HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5500 114 15 0.2720796985495277 No 0 9.490 No No
XXXXXX-1368     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-12-2026 775 775                                     775 [Redacted] [Redacted] ID [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.91 50.45 49.65 [Redacted] Employed Manual Verification 1099 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.03 34.26 34.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 210.74 89.6 0 846 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12900 299 6 0.22934354485776806 No 0 7.240 No No
XXXXXX-1369     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-13-2026 700 700                                     700 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.96 22.75 27.86 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.76 63.78 63.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 886.78 394.75 0 1379 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14537 93 3 0.454 No 0 8.240 No No
XXXXXX-1370     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-13-2026 715 715                                     715 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.29 54.99 50.91 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.76 60.27 60.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 262.15 153.2 0 1679 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 90 4 0.2754434250764526 No 0 9.740 No No
XXXXXX-1371     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-06-2026 694 694     [Redacted] [Redacted] US Citizen 01-07-2026 675 675                     694 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.22 48.41 46.46 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.66 45.36 45.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 1051.67 562.56 0 1169 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26700 422 21 0.6670621484515115 No 0 13.240 No No
XXXXXX-1372     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-15-2026 645 645                                     645 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.34 53.12 48.65 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.38 8.38 8.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 437.97 265.94 0   HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 8725 104 12 0.7428178315905338 No 0 12.990 No No
XXXXXX-1373     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-16-2026 674 674                                     674 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.65 43.4 45.94 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.81 27.16 27.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 576.34 576.34 0 0 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14344 148 9 0.7387142857142858 No 0 11.490 No No
XXXXXX-1374     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-16-2026 757 757                                     757 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.34 48.63 50.63 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.31 80.79 80.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 209.06 118.96 0 1528 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11081 174 17 0.2853125 No 0 7.240 No No
XXXXXX-1375     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-16-2026 816 816                                     816 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.55 16.01 16.01 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 23.06 23.06 23.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 349.51 349.51 0   HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4800 78 1 0.07645833333333334 No 0 6.990 No No
XXXXXX-1376     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-17-2026 738 738                                     738 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.02 47.37 52.07 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.99 65.44 65.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1795.47 807.95 0 3863 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28500 278 10 0.4865953135553593 No 0 8.490 No No
XXXXXX-1377     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-18-2026 697 697     [Redacted] [Redacted] US Citizen 01-18-2026 786 786                     786 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.1 38.1 42.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 21.28 66.33 66.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 1527.34 765.51 0 1810 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33616 368 7 0.8118454935622318 No 0 11.240 No No
XXXXXX-1378     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-16-2026 774 774     [Redacted] [Redacted] US Citizen 01-16-2026 732 732                     774 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.89 31.95 28.8 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.91 68.99 68.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1037.85 451.65 0 3091 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 54700 268 5 0.4883349012229539 No 0 7.740 No No
XXXXXX-1379     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-20-2026 737 737                                     737 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.74 46.05 45.57 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.97 75.85 75.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 407.3 242.21 0 1769 HELOC - ARM 180 180 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 40335 124 9 0.40936948297604037 No 0 11.240 No No
XXXXXX-1380     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-21-2026 656 656                                     656 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.13 31.8 34.14 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.40 62.54 62.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 464.25 287.01 0 788 HELOC - ARM 180 180 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31630 59 6 0.4990441176470588 No 0 14.490 No No
XXXXXX-1381     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-21-2026 667 667                                     667 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.86 48.35 49.48 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.39 57.34   [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 989.17 504.4 0 3008 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39882 83 10 0.6792613111726685 No 0 11.740 No No
XXXXXX-1382     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-22-2026 657 657     [Redacted] [Redacted] US Citizen 01-22-2026 661 661                     661 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.96 47.72 44.33 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.66 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 245.59 152.73 0 3139 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24301 112 21 0.6758804523424878 No 0 14.990 No No
XXXXXX-1383     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-11-2026 815 815                                     815 [Redacted] [Redacted] CA [Redacted] [Redacted] Investment Refinance Cash Out - Home Improvement/Reno 7.71 34.81 38.44 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.65 23.59 23.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 492.68 240.31 0 1315 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21533 141 3 0.0791304347826087 No 0 10.490 No No
XXXXXX-1384     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-23-2026 767 767                                     767 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.23 52.85 53.65 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.03 58.68 58.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1011.56 430.06 0 1106 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 31300 191 17 0.18157212317666127 No 0 7.240 No No
XXXXXX-1385     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-23-2026 820 820     [Redacted] [Redacted] US Citizen 01-23-2026 832 832                     832 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.15 41.88 45.41 [Redacted] Employed Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.69 60.27 60.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 209.71 209.71 0 1289 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 40215 298 7 0.13561925365062197 No 0 6.990 No No
XXXXXX-1386     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-25-2026 816 816     [Redacted] [Redacted] US Citizen 01-25-2026 825 825                     825 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.22 22.91 23.2 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 1.69 72.27 72.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 306.54 175.75 0 7688.7 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 2000 335 1 0.023784786641929498 No 0 7.990 No No
XXXXXX-1387     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-26-2026 691 691     [Redacted] [Redacted] US Citizen 01-26-2026 700 700                     700 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.34 17.7 16.96 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.50 52.07 52.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 512.07 256.65 0 932.25 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11500 65 27 0.22570954693925907 No 0 11.240 No No
XXXXXX-1388     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-29-2026 734 734                                     734 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.04 41.44 43.95 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.52 53.23 53.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1883.1 883.58 0 3828 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34500 309 16 0.2696881606765328 No 0 9.490 No No
XXXXXX-1389     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-21-2025 785 785                                     785 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.2 34.04 35.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.78 71.28 71.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1030.79 502.99 0 1898 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23833 141 16 0.08537149254094571 No 0 10.490 No No
XXXXXX-1390     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 07-17-2025 750 750                                     750 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.14 54.49 55 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.49 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1011.89 474.97 0 0 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21000 118 10 0.15271619975639464 No 0 9.490 No No
XXXXXX-1391     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 08-17-2025 723 723                                     723 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.33 40.31 42.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.04 7.04 7.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 583.6 305.1 0   HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32984 120 18 0.25139864448552063 No 0 12.490 No No
XXXXXX-1392     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 09-02-2025 734 734     [Redacted] [Redacted] US Citizen 09-02-2025 740 740                     740 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 0.66 37.93 39.41 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 1.53 45.84 45.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 443.95 199.81 0 3748 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 4 243000 231 11 0.7605804749340369 No 0 8.490 No No
XXXXXX-1393     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 09-23-2025 649 649                                     649 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.62 43.62 39.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.06 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 15.24 15.24 321.23 200.48 0 2890 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 149 18 0.32360012857602055 No 0 15.240 No No
XXXXXX-1394     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-01-2025 720 720                                     720 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 19.59 48 48.46 [Redacted] Employed Manual Verification Retirement Income Doc Verified N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.82 63.76 63.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1795.47 808.19 0 1127.07 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17942 39 8 0.4680681818181818 No 0 8.490 No No
XXXXXX-1395     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-17-2025 788 788                                     788 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.7 33.7 34.53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 36.02 84.93 84.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1516.87 1516.87 0 2047 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 0 58 0 0 No 0 7.240 No No
XXXXXX-1396     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 10-22-2025 741 741     [Redacted] [Redacted] US Citizen 10-22-2025 685 685                     741 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.66 37.71 38.24 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.70 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 766.38 348.65 0 2064 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21200 157 17 0.5027295534370296 No 0 8.740 No No
XXXXXX-1397     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-22-2025 706 706                                     706 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.77 38.47 35.99 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.64 84.35 84.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 587.07 587.07 0 1665 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19700 90 12 0.2727858081471748 No 0 8.990 No No
XXXXXX-1398     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-22-2025 702 702                                     702 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.27 32.91 33.86 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.64 82.07 82.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 437.92 192.78 0 2362 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28364 275 16 0.7513095238095238 No 0 7.990 No No
XXXXXX-1399     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-27-2025 765 765                                     765 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.09 32.73 30.77 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 27.86 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1507.34 1507.34 0 2979 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 212 5 0.11132987910189983 No 0 7.240 No No
XXXXXX-1400     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 10-27-2025 712 712                                     712 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.65 48.72 51.07 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.51 80.49 80.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1385.29 636.91 0 7223 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46500 173 5 0.6852299965757334 No 0 8.990 No No
XXXXXX-1401     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-04-2025 679 679     [Redacted] [Redacted] US Citizen 11-04-2025 690 690                     690 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.25 53.15 54.42 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.69 2.69 2.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 379.0 224.11 0   HELOC - ARM 180 180 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39237 224 5 0.7195768399499488 No 0 10.740 No No
XXXXXX-1402     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-05-2025 714 714     [Redacted] [Redacted] US Citizen 11-05-2025 699 699                     714 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.76 54.99 54.51 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.01 82.30 82.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 1195.76 604.69 0 4253 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 52867 230 21 0.26479569226659866 No 0 11.490 No No
XXXXXX-1403     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-07-2025 681 681                                     681 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.57 50.05 47.85 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.80 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 950.91 504.94 0 3352 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 106930 405 17 0.7284414874811173 No 0 12.990 No No
XXXXXX-1404     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-07-2025 756 756                                     756 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.12 5.36 6.86 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.49 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1636.11 736.36 0 4244 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 102300 32 3 0 No 0 8.490 No No
XXXXXX-1405     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-13-2025 695 695                                     695 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.4 38.93 36.52 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.13 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 917.44 515.62 0 2981 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40098 242 14 0.4532845953002611 No 0 14.990 No No
XXXXXX-1406     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-16-2025 718 718     [Redacted] [Redacted] US Citizen 11-16-2025 674 674                     718 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.06 32.36 34.19 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.56 34.54 34.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 349.46 200.41 0 866 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51059 149 8 0.3436318407960199 No 0 7.990 No No
XXXXXX-1407     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-16-2025 741 741                                     741 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.18 44.23 38.9 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 76.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 846.73 846.73 0 984 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 11396 182 3 0.264 No 0 6.990 No No
XXXXXX-1408     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 11-27-2025 822 822     [Redacted] [Redacted] US Citizen 11-27-2025 807 807                     822 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.13 15.65 17.62 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 16.46 57.11 57.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 699.18 699.18 0 2125 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51008 156 8 0.5221617567879394 No 0 6.990 No No
XXXXXX-1409     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-01-2025 723 723                                     723 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.04 32.76 36.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 82.73 82.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 2574.86 1208.52 0 1100 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33200 85 7 0.2471759747102213 No 0 9.490 No No
XXXXXX-1410     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-01-2025 821 821                                     821 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.58 44.9 44.94 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.77 70.56 70.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1366.28 587.88 0 2278 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 79471 242 7 0.016405228758169934 No 0 7.490 No No
XXXXXX-1411     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-16-2025 820 820                                     820 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.76 34.78 34.4 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 550.49 550.49 0   HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33729 420 6 0.09375690607734806 No 0 7.490 No No
XXXXXX-1412     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-03-2025 681 681                                     681 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.45 21.93 19.01 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.97 69.30 69.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 926.67 447.9 0 2743 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11500 137 2 0.4431794871794872 No 0 10.240 No No
XXXXXX-1413     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-06-2025 671 671                                     671 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 24.18 27.74 27.74 [Redacted] Retired Manual Verification Retirement Income Doc Verified N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 25.96 61.23 61.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 999.58 514.09 0 6.19 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11902 96 12 0.37548834278512916 No 0 11.990 No No
XXXXXX-1414     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-07-2025 663 663                                     663 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.57 29.79 31.99 [Redacted] Employed Manual Verification W2 IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.02 68.97 68.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 173.43 105.02 0 1072.74 HELOC - ARM 180 180 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24752 152 13 0.2843251088534107 No 0 12.740 No No
XXXXXX-1415     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 11-30-2025 702 702                                     702 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.3 50.98 50.98 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.22 31.33 31.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1707.5 768.57 0 2826.43 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29500 166 13 0.16671978751660027 No 0 8.490 No No
XXXXXX-1416     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-07-2025 770 770                                     770 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.36 37.82 36.63 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.53 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1059.5 1059.5 0 3875 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29000 167 8 0.1622127659574468 No 0 9.240 No No
XXXXXX-1417     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-08-2025 671 671                                     671 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.11 26.8 24.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.03 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 904.34 465.11 0 1646 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34807 88 12 0.6395361990950226 No 0 11.990 No No
XXXXXX-1418     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-09-2025 723 723     [Redacted] [Redacted] US Citizen 12-09-2025 682 682                     723 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.01 22.47 24.76 [Redacted] Employed Manual Verification Tax Return/Transcript 1099 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 9.95 9.95 9.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 560.33 260.29 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted]   ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 45 10 0.03947041530371413 No 0 9.240 No No
XXXXXX-1419     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-11-2025 797 797                                     797 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.14 24.77 27.43 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.80 60.25 60.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.81 188.96 0 993 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 74 6 0.051519607843137256 No 0 6.990 No No
XXXXXX-1420     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-12-2025 789 789                                     789 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.85 37.71 34.2 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.62 70.04 70.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.78 0 4511 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12500 30 2 0.04171428571428572 No 0 6.990 No No
XXXXXX-1421     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-16-2025 746 746     [Redacted] [Redacted] US Citizen 12-16-2025 750 750                     750 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.1 21.82 18.98 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.89 32.96 32.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.81 188.94 0 1243 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22300 199 8 0.1631549295774648 No 0 6.990 No No
XXXXXX-1422     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-18-2025 781 781                                     781 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.77 33.14 37.08 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 25.95 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.49 6.49 2825.66 1158.27 0 1908 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32425 249 9 0.1907781649245064 No 0 6.490 No No
XXXXXX-1423     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-20-2025 742 742                                     742 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.06 26.91 25.19 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 68.50 68.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 680.93 680.93 0 1422 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15445 222 14 0.05068824646769535 No 0 6.990 No No
XXXXXX-1424     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-25-2025 666 666                                     666 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 18.08 48.53 46.75 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.91 14.29 14.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 384.1 230.5 0 169.89 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 131 5 0.740919881305638 No 0 11.990 No No
XXXXXX-1425     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-26-2025 716 716                                     716 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.35 51.63 53.59 [Redacted] Employed Manual Verification Paystub/W2 Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.69 66.60 66.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1853.33 895.67 0 2136 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 86517 89 11 0.6390833333333333 No 0 10.240 No No
XXXXXX-1426     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-27-2025 657 657     [Redacted] [Redacted] US Citizen 12-27-2025 691 691                     691 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.72 33.42 33.52 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 25.70 82.79 82.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 858.26 426.43 0 1085 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46549 286 9 0.6905736669193834 No 0 10.990 No No
XXXXXX-1427     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-29-2025 800 800                                     800 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.71 24.08 25.18 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.07 66.09 66.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 669.49 281.27 0 1554 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38645 48 3 0.14785714285714285 No 0 6.990 No No
XXXXXX-1428     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-29-2025 632 632     [Redacted] [Redacted] US Citizen 12-29-2025 725 725                     725 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.05 49.33 51.4 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.88 19.09 19.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 278.01 161.58 0 1447 HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7770 219 7 0.9159683794466403 No 0 9.240 No No
XXXXXX-1429     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-30-2025 838 838     [Redacted] [Redacted] US Citizen 12-30-2025 837 837                     838 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.28 15.7 16.44 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.67 53.19 53.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 337.19 191.89 0 1240 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 409 6 0.04475592747559275 No 0 7.240 No No
XXXXXX-1430     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-31-2025 645 645     [Redacted] [Redacted] US Citizen 12-31-2025 687 687                     687 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.41 53.49 53.5 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 11.07 41.00 41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 552.28 297.7 0 871 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20718 212 5 0.4996062992125984 No 0 13.490 No No
XXXXXX-1431     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-27-2025 712 712                                     712 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.93 22.16 27.05 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.29 49.79 49.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1728.33 786.25 0 2150 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12900 122 8 0.44214270767943087 No 0 8.740 No No
XXXXXX-1432     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-03-2026 733 733     [Redacted] [Redacted] US Citizen 01-03-2026 770 770                     770 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.75 35.86 39.36 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Missing     1 - Not Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 24.54 55.28 55.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 2539.6 1079.81 0 1863 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 200000 44 12 0.6733808290155441 No 0 7.240 No No
XXXXXX-1433     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-12-2025 687 687                                     687 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.23 45.23 43.72 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.72 14.71 14.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 457.15 457.15 0 539 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50002 300 7 0.7920405490614542 No 0 5.500 No No
XXXXXX-1434     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-06-2026 665 665                                     665 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.73 45.72 47.15 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 32.99 79.02 79.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1060.93 596.24 0 1046 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30701 163 31 0.5814743459744474 No 0 14.990 No No
XXXXXX-1435     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-07-2026 751 751     [Redacted] [Redacted] US Citizen 01-07-2026 770 770                     770 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.82 48.88 50.38 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 27.94 79.94 79.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1957.55 851.89 0 2101 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38556 339 15 0.3581117824773414 No 0 7.740 No No
XXXXXX-1436     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-07-2026 720 720                                     720 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.92 46.69 50.81 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.78 52.06 52.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2189.59 963.87 0 2367 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27500 60 6 1.00696 No 0 7.990 No No
XXXXXX-1437     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-07-2026 774 774                                     774 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.77 27.37 30.43 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.47 58.20 58.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 2758.94 1268.24 0 2809 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6300 336 8 0.15398976628405475 No 0 8.990 No No
XXXXXX-1438     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-07-2026 776 776                                     776 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.4 40 44.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.69 20.69 20.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1248.02 524.33 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17500 249 11 0.0906792873051225 No 0 6.990 No No
XXXXXX-1439     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-07-2026 829 829                                     829 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.45 31.72 6.2 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 36.55 56.75 56.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 3073.86 3073.86 0 4421.26 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18800 0 1 0.0015425531914893618 No 0 8.740 No No
XXXXXX-1440     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-08-2026 705 705                                     705 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.38 55 51.21 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.43 83.90 83.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 733.48 389.39 0 3153.3 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 273 10 0.5483060109289617 No 0 12.990 No No
XXXXXX-1441     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-08-2026 694 694                                     694 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.04 46.68 44.17 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.12 88.85 88.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 814.23 404.55 0 1758 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19102 95 11 0.8088809946714032 No 0 10.990 No No
XXXXXX-1442     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-10-2026 724 724                                     724 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.83 38.31 41.95 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.25 15.25 15.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 367.86 213.18 0   HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10912 61 4 0.2523463687150838 No 0 8.990 No No
XXXXXX-1443     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-10-2026 764 764                                     764 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.56 53.33 53.99 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.53 79.59 79.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1874.17 914.31 0 3928 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 110678 141 11 0.09566450088600117 No 0 0.0 No Yes
XXXXXX-1444     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-10-2026 677 677                                     677 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.5 35.25 33.96 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.63 20.63 20.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 968.33 485.42 0   HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32676 180 18 0.7786206896551724 No 0 11.240 No No
XXXXXX-1445     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-13-2026 714 714                                     714 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.52 12.23 14.18 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.52 59.72 59.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1035.71 485.97 0 6099.9 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14500 220 7 0.5861490683229814 No 0 9.490 No No
XXXXXX-1446     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-07-2026 644 644                                     644 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.28 42.33 40.94 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.93 63.97 63.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 588.79 330.9 0 2434 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44245 171 16 0.8349523994559938 No 0 14.990 No No
XXXXXX-1447     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-13-2026 698 698     [Redacted] [Redacted] US Citizen 01-13-2026 746 746                     746 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.48 46.81 47.49 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.22 69.04 69.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 443.95 199.77 0 3306 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 270000 454 14 0.5154086069875543 No 0 8.490 No No
XXXXXX-1448     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-14-2026 726 726                                     726 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.94 29.94 33.52 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.53 78.07 78.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 93.06 54.08 0 1571.35 HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11274 51 6 0.12295774647887324 No 0 9.240 No No
XXXXXX-1449     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-14-2026 783 783                                     783 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.93 8.2 6.61 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.69 7.69 7.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 351.58 351.58 0   HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 353 10 0.04844139801874682 No 0 6.990 No No
XXXXXX-1450     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-15-2026 841 841     [Redacted] [Redacted] US Citizen 01-15-2026 823 823                     841 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.38 40.52 38.92 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.42 52.34 52.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 838.83 838.83 0 2107 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33800 250 4 0.13657834772050628 No 0 6.990 No No
XXXXXX-1451     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-09-2026 817 817                                     817 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.83 44.56 48.39 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.40 51.39 51.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 417.1 175.24 0 1237 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17900 268 15 0.05012696041822255 No 0 6.990 No No
XXXXXX-1452     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-15-2026 707 707                                     707 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.42 38 39.52 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.54 11.54 11.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 525.5 231.3 0   HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17200 113 25 0.24832657495974078 No 0 7.990 No No
XXXXXX-1453     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 12-29-2025 763 763     [Redacted] [Redacted] US Citizen 12-29-2025 797 797                     797 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.69 42.43 38.62 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 17.72 17.72 17.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 661.81 274.64 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16932 340 10 0.26860570273433343 No 0 6.740 No No
XXXXXX-1454     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-16-2026 740 740     [Redacted] [Redacted] US Citizen 01-16-2026 698 698                     740 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 18.2 52.02 53.63 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 25.29 25.29 25.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 834.21 350.43 0   HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12806 211 7 0.28445036965216336 No 0 6.990 No No
XXXXXX-1455     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-15-2026 746 746                                     746 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.34 42.37 46.41 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.95 63.61 63.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 249.61 141.69 0 951 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11600 117 2 0.061261369797000184 No 0 6.990 No No
XXXXXX-1456     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-16-2026 700 700                                     700 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.9 31.33 33.59 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.94 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 304.44 179.46 0 4170 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 63067 186 9 0.6593251533742331 No 0 10.490 No No
XXXXXX-1457     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-17-2026 729 729                                     729 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.8 28.14 29.3 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.79 82.31 82.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 628.41 282.78 0 1830 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 81 5 0.7554647887323944 No 0 0.0 No No
XXXXXX-1458     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-18-2026 775 775     [Redacted] [Redacted] US Citizen 01-18-2026 806 806                     806 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.18 54.99 54.81 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.79 38.07 38.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 636.52 270.61 0 1895 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11480 301 5 0.15160569105691057 No 0 7.240 No No
XXXXXX-1459     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-18-2026 678 678                                     678 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.6 49.05 49.93 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.76 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 407.77 247.61 0 1788 HELOC - ARM 180 180 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44928 107 10 0.5630784835805757 No 0 12.990 No No
XXXXXX-1460     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-18-2026 660 660                                     660 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.61 37.25 37.27 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.38 13.38 13.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 279.64 279.64 0   HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21987 85 14 0.9619690645715688 No 0 12.990 No No
XXXXXX-1461     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-12-2026 763 763                                     763 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 23.96 48.82 52.37 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 29.68 72.16 72.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 998.42 419.41 0 542 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 94000 295 6 0.6350193548387096 No 0 6.990 No No
XXXXXX-1462     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-19-2026 695 695     [Redacted] [Redacted] US Citizen 01-19-2026 754 754                     754 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.77 27.94 28.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.69 88.85 88.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 426.88 246.18 0 4728 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 72153 188 10 0.43859707336496667 No 0 8.490 No No
XXXXXX-1463     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-20-2026 667 667                                     667 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.25 30.27 30.61 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.79 58.55 58.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 290.5 172.75 0 2183 HELOC - ARM 180 180 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46800 199 19 0.680547396528705 No 0 11.240 No No
XXXXXX-1464     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-20-2026 642 642                                     642 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.48 55 49.21 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.29 22.29 22.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 1019.76 541.37 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12000 145 24 0.9586410102224895 No 0 12.990 No No
XXXXXX-1465     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-20-2026 730 730                                     730 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.3 20.51 21.33 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.29 68.75 68.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 85.58 49.2 0 584 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11500 109 6 0.13124444444444444 No 0 8.240 No No
XXXXXX-1466     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-21-2026 682 682                                     682 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.34 54.99 48.39 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.17 55.37 55.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 799.06 427.43 0 2025 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17239 242 16 0.7296150390490013 No 0 13.240 No No
XXXXXX-1467     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-21-2026 650 650                                     650 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.1 42.06 38.41 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.78 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 279.42 167.65 0 1455 HELOC - ARM 180 180 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21385 76 6 0.5572815533980583 No 0 11.990 No No
XXXXXX-1468     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-22-2026 680 680                                     680 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.48 55 54.05 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.37 69.03 69.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 216.87 131.29 0 2236 HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 80230 90 19 0.6836390679226574 No 0 12.740 No No
XXXXXX-1469     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-22-2026 799 799                                     799 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.13 44.18 45.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 25.75 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1872.67 786.67 0 3337 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 52245 212 4 0.04274137931034483 No 0 6.990 No No
XXXXXX-1470     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-22-2026 769 769                                     769 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.05 49.18 50.26 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.43 65.44 65.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 853.92 367.34 0 5760 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 4 96089 233 24 0.16387697288547146 No 0 7.490 No No
XXXXXX-1471     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-22-2026 690 690                                     690 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.19 45.82 49.76 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.21 56.07 56.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 584.78 318.2 0 841 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24611 275 12 0.5604907975460123 No 0 14.990 No Yes
XXXXXX-1472     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-22-2026 644 644                                     644 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.03 28.51 30.77 [Redacted] Employed Manual Verification W2 Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.60 59.75 59.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 354.76 220.63 0 1891.29 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49422 181 6 0.6363636363636364 No 0 14.990 No No
XXXXXX-1473     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-23-2026 640 640     [Redacted] [Redacted] US Citizen 01-23-2026 736 736                     736 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.15 39.5 40.99 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 11.86 11.86 11.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1070.34 476.4 0   HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 28094 164 19 0.7672827652424388 No 0 8.240 No No
XXXXXX-1474     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-23-2026 714 714     [Redacted] [Redacted] US Citizen 01-23-2026 756 756                     756 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.05 38.77 40.06 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.09 28.70 28.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.81 188.92 0 2331 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 341 9 0.4501708633093525 No 0 6.990 No No
XXXXXX-1475     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-23-2026 679 679     [Redacted] [Redacted] US Citizen 01-23-2026 786 786                     786 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 0.8 40.48 40.8 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.14 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 163.52 96.39 0 2661 HELOC - ARM 180 180 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 30000 151 25 0.2629836288843182 No 0 10.490 No No
XXXXXX-1476     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-31-2025 804 804                                     804 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.54 36.29 34.25 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 30.38 84.81 84.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 877.47 877.47 0 1152 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11715 104 7 0.05342412451361868 No 0 6.990 No No
XXXXXX-1477     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 12-28-2025 756 756                                     756 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.92 51.36 51.76 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.44 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 804.21 410.09 0 2758 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41816 100 8 0.1764732824427481 No 0 11.740 No No
XXXXXX-1478     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-25-2026 761 761                                     761 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.66 42.91 46.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.92 73.95 76.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 468.86 226.55 0 666 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16488 105 7 0.2423961661341853 No 0 10.240 No No
XXXXXX-1479     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-25-2026 719 719                                     719 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 15.21 37.38 41.32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 21.26 65.03 65.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1292.56 562.5 0 1383 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14888 357 10 0.29008350730688937 No 0 7.740 No No
XXXXXX-1480     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-26-2026 762 762     [Redacted] [Redacted] US Citizen 01-26-2026 733 733                     762 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.11 38.22 41.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 19.82 64.87 64.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1270.3 577.81 0 1670.33 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 85 6 0.34913548387096777 No 0 8.740 No No
XXXXXX-1481     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-27-2026 810 810     [Redacted] [Redacted] US Citizen 01-27-2026 846 846                     846 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.46 19.23 22.24 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.58 52.47 52.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 893.98 402.28 0 2583 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46000 269 10 0.161720823798627 No 0 8.490 No No
XXXXXX-1482     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-27-2026 722 722                                     722 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.7 45.45 48.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.82 78.29 78.29 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 455.44 200.46 0 1918 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34600 121 7 0.22051987767584097 No 0 7.990 No No
XXXXXX-1483     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-27-2026 764 764                                     764 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.49 15.06 15.46 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.84 77.58 77.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1488.96 691.58 0 2051 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36300 255 8 0.2451980198019802 No 0 9.240 No No
XXXXXX-1484     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-07-2026 753 753                                     753 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.32 55 55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.14 56.08 56.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 453.82 453.82 0 2059 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38477 302 16 0.15704119850187265 No 0 9.990 No No
XXXXXX-1485     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-27-2026 750 750     [Redacted] [Redacted] US Citizen 01-27-2026 846 846                     846 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.65 24.07 25.04 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.43 48.13 48.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 499.21 209.71 0 1850 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22000 204 11 0.09219451371571072 No 0 6.990 No No
XXXXXX-1486     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 742 742                                     742 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 15.73 34.77 39.9 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 24.57 74.50 74.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1028.13 447.42 0 1253 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12446 75 2 0.7532692307692308 No 0 7.740 No No
XXXXXX-1487     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 679 679                                     679 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.57 40.46 43.04 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.56 9.56 9.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 262.77 159.56 0   HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17637 382 8 0.673841642228739 No 0 12.990 No No
XXXXXX-1488     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 679 679                                     679 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.76 16.41 13.66 [Redacted] Unknown Manual Verification Tax Return/Transcript N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.10 8.10 8.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 520.07 265.19 0   HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14600 95 8 0.5752456538170824 No 0 11.740 No No
XXXXXX-1489     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-27-2026 740 740     [Redacted] [Redacted] US Citizen 01-27-2026 682 682                     740 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.37 42.61 43.37 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.57 83.39 83.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 335.04 204.67 0 1963 HELOC - ARM 180 180 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 15212 96 7 0.3678851174934726 No 0 13.490 No No
XXXXXX-1490     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 776 776                                     776 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.78 47.14 49.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.69 82.42 82.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.51 0 1769 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20848 221 7 0.32329411764705884 No 0 6.990 No No
XXXXXX-1491     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 735 735                                     735 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.04 23.95 28.5 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.79 7.79 7.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 183.93 106.59 0   HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6500 319 5 0.14624 No 0 8.990 No No
XXXXXX-1492     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 770 770                                     770 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.68 38.79 43.12 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 24.42 61.89 61.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1060.28 445.4 0 1027 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32400 181 14 0.2289906055434865 No 0 6.660 No No
XXXXXX-1493     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 758 758                                     758 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.15 10.71 14.89 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.31 23.13 23.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 915.22 384.46 0 228.99 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13500 268 2 0.5164556962025316 No 0 6.990 No No
XXXXXX-1494     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-24-2026 743 743                                     743 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.15 38.83 42.91 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.47 65.86 65.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 884.68 473.24 0 1582 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 276 29 0.1847902547825341 No 0 13.240 No No
XXXXXX-1495     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-29-2026 704 704                                     704 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.23 38.64 42.33 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.08 78.00 78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 2061.67 1086.05 0 2296 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 101214 310 8 0.7642305565228078 No 0 12.740 No No
XXXXXX-1496     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-29-2026 823 823                                     823 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.52 30.29 34.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.96 40.07 40.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 864.88 376.38 0 970 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35000 164 3 0.01721875 No 0 7.740 No No
XXXXXX-1497     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-29-2026 698 698                                     698 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.97 45.6 42.06 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.76 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 156.1 92.56 0 2796 HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28000 110 2 0.6356921472641427 No 0 10.990 No No
XXXXXX-1498     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-11-2026 694 694                                     694 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.42 40.59 40.16 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.12 58.55 58.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 411.89 246.4 0 939 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38862 88 13 0.32665584415584414 No 0 11.740 No No
XXXXXX-1499     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-29-2026 799 799                                     799 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.06 6.01 8.7 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.67 5.67 5.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 204.94 115.28 0   HELOC - ARM 180 180 [Redacted] 0 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 334 4 0 No 0 5.990 No No
XXXXXX-1500     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-30-2026 732 732     [Redacted] [Redacted] US Citizen 01-30-2026 774 774                     774 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.64 48.48 49.48 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.44 75.56 75.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 1598.31 646.89 0 2744 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47781 110 10 0.3262815405046481 No 0 6.240 No No
XXXXXX-1501     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-30-2026 815 815                                     815 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.79 55 54.01 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.03 82.70 82.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 452.87 452.87 0 2401 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13983 96 6 0.008212936874288113 No 0 7.240 No No
XXXXXX-1502     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-31-2026 722 722                                     722 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.44 23.77 28.27 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.72 78.69 78.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 643.8 336.47 0 1285 HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31000 117 2 0.9618153846153846 No 0 12.490 No No
XXXXXX-1503     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-31-2026 715 715                                     715 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.5 45.94 49.42 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.93 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 677.92 333.73 0 1334 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 64098 43 8 0.1282315112540193 No 0 10.740 No No
XXXXXX-1504     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-31-2026 776 776                                     776 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.45 40.44 39.72 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.04 39.59 39.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 127.86 72.08 0 1399 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12333 165 9 0.2371990171990172 No 0 6.240 No No
XXXXXX-1505     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-31-2026 845 845     [Redacted] [Redacted] US Citizen 01-31-2026 808 808                     845 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.53 31.05 36.02 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 24.50 77.73 77.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 2196.57 933.85 0 1926 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45658 264 13 0.058156808803301235 No 0 7.240 No No
XXXXXX-1506     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-01-2026 687 687                                     687 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 15.47 33.67 37.22 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.77 42.93 42.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 926.67 448.07 0 836 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 201 10 0.6182901554404145 No 0 10.240 No No
XXXXXX-1507     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-01-2026 797 797                                     797 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.28 26.04 26.04 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.70 83.90 83.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 197.05 111.59 0 1322.36 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6000 138 3 0.026526315789473683 No 0 6.740 No No
XXXXXX-1508     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-01-2026 712 712                                     712 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.54 32.17 28.1 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.99 35.34 35.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 454.35 206.66 0 1264 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22404 127 17 0.3866970684039088 No 0 8.740 No No
XXXXXX-1509     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-02-2026 843 843                                     843 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.14 24.78 28.83 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.14 54.04 54.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 711.88 284.45 0 1516 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14000 339 5 0.023645833333333335 No 0 5.990 No No
XXXXXX-1510     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-31-2026 812 812                                     812 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.59 44.04 48.2 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.43 47.90 47.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 1576.41 629.9 0 2033 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26300 108 3 0.1378448275862069 No 0 5.990 No No
XXXXXX-1511     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-01-2026 701 701                                     701 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.99 47.83 46.9 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.92 52.28 52.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.74 14.74 848.44 473.56 0 1762 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24450 237 14 0.330040278286342 No 0 14.740 No No
XXXXXX-1512     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-02-2026 706 706                                     706 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.56 38.67 40.93 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.04 31.66 31.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 660.74 353.44 0 946 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26000 168 5 0.3389981785063752 No 0 13.240 No No
XXXXXX-1513     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-02-2026 757 757                                     757 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.71 24.25 20.79 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 26.04 26.04 26.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 459.82 211.37 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11888 22 6 0.15211538461538462 No 0 8.990 No No
XXXXXX-1514     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-03-2026 799 799                                     799 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.68 19.2 19.29 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.85 64.36 64.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1597.9 764.72 0 6854 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 53253 381 17 0.07488782299241838 No 0 9.990 No No
XXXXXX-1515     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-03-2026 685 685                                     685 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.45 51.19 53.71 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.52 40.89 40.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 241.74 143.34 0 1361 HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4000 327 6 0.9935099337748344 No 0 10.990 No No
XXXXXX-1516     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-03-2026 714 714                                     714 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.88 21.46 22.17 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.86 69.27 69.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.99 13.99 373.26 229.38 0 2076 HELOC - ARM 180 180 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48545 184 6 0.32625 No 0 13.990 No No
XXXXXX-1517     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-11-2026 695 695     [Redacted] [Redacted] US Citizen 01-11-2026 692 692                     695 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.42 37.65 41.88 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.26 83.86 83.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 631.86 0 2773 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45419 117 16 0.4683828382838284 No 0 14.990 No No
XXXXXX-1518     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-03-2026 845 845                                     845 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.08 31.79 32.27 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.94 44.98 44.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 197.05 110.85 0 2340 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21500 245 13 0.018502162041766194 No 0 5.990 No No
XXXXXX-1519     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-04-2026 823 823                                     823 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.31 28.17 28.97 [Redacted] Unknown Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.43 56.90 56.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 320.34 181.41 0 1798 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20694 184 21 0.062540675844806 No 0 6.740 No No
XXXXXX-1520     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-03-2026 664 664                                     664 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.31 44.51 46.99 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.79 5.79 5.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 262.77 159.56 0   HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 5900 262 15 0.5574826900664975 No 0 12.990 No No
XXXXXX-1521     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-04-2026 774 774                                     774 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 0.5 23.57 23.43 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 0.82 49.42 49.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 99.46 55.95 0 2444 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 34000 66 3 0.1853235294117647 No 0 5.990 No No
XXXXXX-1522     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-05-2026 850 850                                     850 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.36 50.46 49.11 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.26 47.99 47.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 795.81 322.09 0 2080 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 319 14 0.06329113924050633 No 0 6.240 No No
XXXXXX-1523     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-05-2026 805 805                                     805 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.48 38.72 43.68 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 25.20 73.28 73.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1628.55 708.71 0 1660 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 143594 167 7 0.2417258883248731 No 0 7.740 No No
XXXXXX-1524     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-05-2026 724 724                                     724 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.34 54.35 54.73 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.58 103.56 103.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 471.03 223.23 0 3942 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 112500 162 8 0.7833580406058653 No 0 9.740 No No
XXXXXX-1525     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-05-2026 778 778     [Redacted] [Redacted] US Citizen 02-05-2026 739 739                     778 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.51 50.32 50.32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.22 21.44 21.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1050.99 462.6 0 0 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4000 385 4 0.2891898148148148 No 0 7.990 No No
XXXXXX-1526     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-04-2026 793 793     [Redacted] [Redacted] US Citizen 02-04-2026 791 791                     793 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.93 32.97 36.1 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.53 53.07 53.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 779.53 376.67 0 1808 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34000 297 15 0.14372565622353936 No 0 10.240 No No
XXXXXX-1527     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-06-2026 674 674                                     674 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.9 39.56 37.98 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.61 47.33 47.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 503.53 252.37 0 4656 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51250 116 12 0.8574377667636858 No 0 11.240 No No
XXXXXX-1528     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-30-2026 797 797     [Redacted] [Redacted] US Citizen 01-30-2026 645 645                     797 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.74 31.22 32.94 [Redacted] Retired Manual Verification Retirement Income Doc Verified N/A 3 - Stated, Partially Verified Employed Manual Verification Paystub/W2   3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.74 66.98 66.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 486.92 204.55 0 3846 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 106536 247 19 0.15998071359691418 No 0 6.990 No No
XXXXXX-1529     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-25-2026 790 790                                     790 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.7 44.3 45.69 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.83 67.75 67.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 1038.91 420.48 0 1559 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51407 104 20 0.022308843828372574 No 0 6.240 No No
XXXXXX-1530     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 01-27-2026 807 807     [Redacted] [Redacted] US Citizen 02-06-2026 819 819                     819 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.51 35.62 37.09 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 6.29 87.72 87.72 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 401.04 168.47 0 2184 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 159 3 0.0403397341211226 No 0 6.990 No No
XXXXXX-1531     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-06-2026 739 739                                     739 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.35 40.56 39.15 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.85 65.31 65.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 586.19 283.24 0 1472 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15500 152 5 0.7178666666666667 No 0 10.240 No No
XXXXXX-1532     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-07-2026 664 664     [Redacted] [Redacted] US Citizen 02-07-2026 720 720                     720 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.37 39.9 41.07 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 17.58 35.51 35.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1453.91 661.32 0 688 HELOC - ARM 360 360 [Redacted] 2.4 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 59378 282 15 0.6548732072621427 No 0 8.740 No No
XXXXXX-1533     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-07-2026 802 802                                     802 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.84 19.93 23.14 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.81 80.47 80.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 632.78 252.85 0 1811 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24000 161 4 0.08310569105691057 No 0 5.990 No No
XXXXXX-1534     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-07-2026 777 777     [Redacted] [Redacted] US Citizen 02-07-2026 800 800                     800 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.34 40.83 39.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.70 53.22 53.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 354.72 203.91 0 2062 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17700 122 9 0.14036322360953463 No 0 8.240 No No
XXXXXX-1535     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-07-2026 830 830     [Redacted] [Redacted] US Citizen 02-07-2026 787 787                     830 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.18 17.94 19.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.31 58.78 58.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 396.39 158.39 0 1150 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 201 2 0.15765873015873016 No 0 5.990 No No
XXXXXX-1536     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-11-2026 772 772                                     772 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.75 32.66 33.73 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.13 51.69 51.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 482.57 202.81 0 1889 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17500 158 17 0.15946470430004228 No 0 6.990 No No
XXXXXX-1537     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-08-2026 803 803     [Redacted] [Redacted] US Citizen 02-08-2026 669 669                     803 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.32 42.34 45.37 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 12.17 73.89 73.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 683.14 294.02 0 1413 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35924 161 9 0.1427321749550629 No 0 7.490 No No
XXXXXX-1538     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-09-2026 714 714                                     714 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.66 34.88 33.34 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 31.88 31.88 31.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 933.94 933.94 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 46041 270 2 0 No 0 12.990 No No
XXXXXX-1539     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-09-2026 826 826     [Redacted] [Redacted] US Citizen 02-09-2026 694 694                     826 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.09 34 36.61 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.74 46.44 46.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 239.75 135.16 0 1095 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7500 483 4 0.1994607843137255 No 0 6.240 No No
XXXXXX-1540     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-09-2026 659 659                                     659 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.14 28.26 27.79 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.18 42.67 42.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 631.86 0 1802 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26969 665 12 0.7813339281730983 No 0 1499 No No
XXXXXX-1541     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-09-2026 707 707     [Redacted] [Redacted] US Citizen 02-09-2026 775 775                     775 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.75 55 54.64 [Redacted] Employed Manual Verification W2 Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification 1099 N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.41 62.54 62.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 365.29 215.33 0 1340 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15624 284 10 0.06179261862917399 No 0 10.490 No No
XXXXXX-1542     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-01-2026 702 702     [Redacted] [Redacted] US Citizen 02-01-2026 735 735                     735 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.09 36.74 36.13 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.30 41.25 41.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1272.17 578.66 0 5515 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33420 252 6 0.5629390354868062 No 0 8.740 No No
XXXXXX-1543     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-09-2026 731 731                                     731 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.7 49.99 48.36 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 37.75 68.37 68.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 1256.07 1256.07 0 962 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26930 259 11 0.4736024393785393 No 0 9.740 No No
XXXXXX-1544     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-09-2026 822 822     [Redacted] [Redacted] US Citizen 02-09-2026 831 831                     831 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.84 24.91 22.35 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 16.35 65.04 65.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 761.47 409.43 0 1391 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 317 11 0.04216042780748663 No 0 5.990 No No
XXXXXX-1545     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-09-2026 835 835                                     835 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.52 34.33 35.31 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.52 51.69 51.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 739.7 295.57 0 3791 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29987 213 5 0.07233613445378151 No 0 5.990 No No
XXXXXX-1546     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-10-2026 771 771                                     771 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.63 21.84 26.47 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.01 20.01 20.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1363.04 619.99 0   HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 329 14 0.18168843550943772 No 0 8.740 No No
XXXXXX-1547     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-10-2026 795 795                                     795 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.08 34.96 37.67 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.55 33.55 33.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 346.41 194.87 0 903 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26000 159 6 0.06484174508126604 No 0 5.990 No No
XXXXXX-1548     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-05-2026 667 667                                     667 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.37 34.8 37.96 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.60 46.41 46.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 509.11 255.17 0 808 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36228 66 11 0.38614540466392316 No 0 11.240 No No
XXXXXX-1549     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-10-2026 685 685                                     685 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.35 55 53.37 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.08 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 172.13 107.05 0 3222 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22000 325 1 1.0056818181818181 No 0 14.990 No No
XXXXXX-1550     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-10-2026 769 769                                     769 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.06 44.54 46.28 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.75 66.61 66.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 232.27 130.66 0 1768 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15021 63 3 0 No 0 5.990 No No
XXXXXX-1551     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-11-2026 826 826                                     826 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.28 30.15 31.88 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.22 8.22 8.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.49 6.49 487.35 199.75 0   HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20400 484 14 0.05019558070825184 No 0 6.490 No No
XXXXXX-1552     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-08-2026 707 707                                     707 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.88 46.47 45.87 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.79 35.83 35.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 177.35 101.95 0 2237 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 48 7 0.517008747355783 No 0 8.240 No No
XXXXXX-1553     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-11-2026 817 817     [Redacted] [Redacted] US Citizen 02-11-2026 797 797                     817 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.81 43.39 48.04 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.02 84.75 84.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 753.5 335.38 0 2230 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22546 223 11 0.09819803746654772 No 0 8.240 No No
XXXXXX-1554     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-11-2026 649 649                                     649 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 33.44 18.92 18.71 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.97 22.97 22.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 832.27 441.83 0   HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Two to Four Unit 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6500 339 12 0.7493121693121693 No 0 12.990 No Yes
XXXXXX-1555     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-11-2026 716 716                                     716 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.22 53.73 50.08 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 22.18 66.59 66.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 864.88 376.57 0 1099 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10342 121 10 0.4284863478101521 No 0 7.740 No No
XXXXXX-1556     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-11-2026 761 761     [Redacted] [Redacted] US Citizen 02-11-2026 758 758                     761 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.2 33.7 37.1 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 17.72 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1880.93 917.46 0 2380 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46134 296 9 0.2393136094674556 No 0 10.490 No No
XXXXXX-1557     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-11-2026 755 755                                     755 [Redacted] [Redacted] IA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.26 17.97 18.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.13 54.09 54.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 169.58 96.04 0 791 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 2000 126 4 0.08866666666666667 No 0 6.740 No No
XXXXXX-1558     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-12-2026 794 794                                     794 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 0.99 21.9 21.62 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.26 1.26 1.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 82.89 46.62 0   HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31700 182 9 0.03727509778357236 No 0 5.990 No No
XXXXXX-1559     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-13-2026 761 761                                     761 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.82 45.79 40.71 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.74 83.88 83.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.49 6.49 812.25 332.92 0 4943.71 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25253 53 10 0.12744989305236473 No 0 6.490 No No
XXXXXX-1560     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-12-2026 734 734                                     734 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.77 39.39 43.1 [Redacted] Employed Work Number Work Number N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.27 77.07 77.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 81.95 81.95 0 1509.54 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19597 2 4 0.15552715654952076 No 0 7.490 No No
XXXXXX-1561     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-24-2026 692 692                                     692 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.66 42.76 41.13 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.57 77.08 77.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 989.17 504.4 0 1510 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16796 137 19 0.4098159509202454 No 0 11.740 No No
XXXXXX-1562     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-08-2026 781 781                                     781 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.37 32.14 33.64 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.92 72.88 72.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 788.2 315.07 0 2544 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30600 184 17 0.06614216701173223 No 0 5.990 No No
XXXXXX-1563     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-14-2026 737 737                                     737 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.39 44.46 40.43 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.49 84.94 84.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 344.76 344.76 0 672 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15641 185 7 0.2782830626450116 No 0 11.490 No No
XXXXXX-1564     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-24-2026 692 692                                     692 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.39 45.93 49.89 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.59 45.33 45.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 1041.25 552.78 0 2484.79 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 234027 493 33 0.43051159072741807 No 0 12.990 No No
XXXXXX-1565     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-26-2026 800 800                                     800 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 15.87 45 49.25 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.96 49.52 49.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 699.7 293.93 0 828 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10200 141 6 0.108801164860055 No 0 6.990 No No
XXXXXX-1566     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-14-2026 714 714                                     714 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.67 13.79 14.5 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.45 6.45 6.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 676.16 287.6 0   HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 26238 111 3 0.8857065217391304 No 0 7.240 No No
XXXXXX-1567     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-15-2026 716 716                                     716 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.06 21.56 17.43 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.34 14.34 14.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 394.16 239.34 0   HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10350 292 7 0.4828122938926263 No 0 12.990 No Yes
XXXXXX-1568     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-15-2026 683 683                                     683 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.96 19.12 19.89 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.11 57.85 57.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 221.17 134.7 0 1251 HELOC - ARM 180 180 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6100 44 3 0.962027027027027 No 0 13.240 No No
XXXXXX-1569     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-16-2026 730 730                                     730 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.65 40.73 40.33 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.09 50.21 50.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 168.59 95.98 0 1484 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21700 296 15 0.3538495515085621 No 0 7.240 No No
XXXXXX-1570     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-16-2026 647 647     [Redacted] [Redacted] US Citizen 02-16-2026 729 729                     729 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.74 38.6 41.31 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.71 63.65 63.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 1300.73 685.79 0 3292 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 36372 155 5 0.6407610993657505 No 0 12.740 No No
XXXXXX-1571     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-16-2026 717 717                                     717 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.26 46.78 48.62 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.99 80.61 80.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1790.83 840.82 0 2125 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37135 227 11 0.6795608619063718 No 0 9.490 No No
XXXXXX-1572     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 01-29-2026 673 673                                     673 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.8 30.61 35.08 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.82 64.57 64.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 999.58 514.41 0 1511 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13500 162 11 0.4346704871060172 No 0 11.990 No No
XXXXXX-1573     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-17-2026 721 721     [Redacted] [Redacted] US Citizen 02-17-2026 718 718                     721 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.73 54.99 50.69 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.32 76.85 76.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 520.77 520.77 0 2101 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 156 4 0.7526015228426396 No 0 8.740 No No
XXXXXX-1574     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-17-2026 711 711     [Redacted] [Redacted] US Citizen 02-17-2026 727 727                     727 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.3 41.28 39.84 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 16.36 78.91 78.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 3155.0 1689.16 0 3162 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 81097 332 7 0.804330005681357 No 0 13.240 No No
XXXXXX-1575     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-17-2026 697 697                                     697 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.77 13.47 13.31 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.85 50.19 50.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 141.9 88.34 0 461 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 161 12 0.36163636363636364 No 0 14.990 No No
XXXXXX-1576     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-02-2026 667 667                                     667 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 22.3 42.35 45.66 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.00 63.06 63.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.49 0 911.3 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14321 37 9 0.5906896551724138 No 0 14.990 No No
XXXXXX-1577     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-17-2026 735 735                                     735 [Redacted] [Redacted] NH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.43 23.52 27.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.77 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1735.97 747.15 0 2663 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46609 0 14 0.14919510624597554 No 0 7.490 No No
XXXXXX-1578     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-17-2026 684 684                                     684 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.25 34.45 33.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.70 84.58 84.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 937.08 457.4 0 3246 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12000 320 7 0.6664123957091775 No 0 10.490 No No
XXXXXX-1579     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-18-2026 723 723                                     723 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.48 29.86 31.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.36 73.06 73.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 298.9 176.83 0 1523 HELOC - ARM 180 180 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12500 41 9 0.1102417821244227 No 0 10.740 No No
XXXXXX-1580     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-18-2026 780 780                                     780 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.2 44.72 47.5 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 25.25 59.66 59.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1817.38 827.13 0 1700 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44685 232 9 0.22780234225621415 No 0 8.740 No No
XXXXXX-1581     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-18-2026 657 657                                     657 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.92 27.3 28.84 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.83 6.83 6.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 218.98 133.08 0   HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17650 96 16 0.7830872483221476 No 0 12.990 No No
XXXXXX-1582     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-18-2026 724 724                                     724 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.44 35 31.82 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.35 5.35 5.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 222.02 126.71 0   HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 18400 217 25 0.03876296946556812 No 0 7.490 No No
XXXXXX-1583     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-19-2026 763 763                                     763 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.58 25.47 25.81 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.35 74.95 74.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 389.78 155.81 0 1033 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8971 37 5 0.016 No 0 5.990 No No
XXXXXX-1584     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-20-2026 704 704     [Redacted] [Redacted] US Citizen 02-20-2026 740 740                     740 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.01 29.52 31.68 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 5.57 58.38 58.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 741.56 307.87 0 2745 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 77453 318 4 0.457025641025641 No 0 6.740 No No
XXXXXX-1585     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-20-2026 772 772                                     772 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.16 53.61 50.08 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 27.44 71.87 71.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 1358.57 550.09 0 0 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 363 10 0.3668517264725796 No 0 6.240 No No
XXXXXX-1586     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-20-2026 761 761                                     761 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.48 34.62 37.3 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.22 65.59 65.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 659.08 309.45 0 3095 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27904 157 5 0.5288157061431286 No 0 9.490 No No
XXXXXX-1587     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-20-2026 749 749                                     749 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.62 34.98 34.98 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.36 52.19 52.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 354.56 201.85 0 880.26 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5100 394 2 0.0301840490797546 No 0 7.240 No No
XXXXXX-1588     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-18-2026 704 704                                     704 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.3 32.56 32.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.81 40.08 40.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 145.51 83.26 0 1183 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22596 178 4 0.6781666666666667 No 0 7.740 No No
XXXXXX-1589     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-21-2026 713 713                                     713 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.08 27.36 23.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.63 66.28 66.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 327.87 188.08 0 1852 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7331 206 7 0.2855 No 0 7.990 No No
XXXXXX-1590     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-21-2026 711 711                                     711 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.28 36.07 35.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.85 71.51 71.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 230.24 132.08 0 2332 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12000 51 5 0.6065 No 0 7.990 No No
XXXXXX-1591     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-22-2026 643 643                                     643 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.81 31.28 34.78 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.50 49.84 49.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.49 0 1492.64 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 61694 31 10 0.3758177570093458 No 0 14.990 No No
XXXXXX-1592     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-22-2026 788 788                                     788 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.59 25.28 26.04 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.01 81.95 81.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 389.77 229.25 0 3415 HELOC - ARM 180 180 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29000 144 5 0.06936612021857924 No 0 10.240 No No
XXXXXX-1593     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-22-2026 781 781     [Redacted] [Redacted] US Citizen 02-22-2026 774 774                     781 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.18 55 54 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.07 56.32 56.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 369.56 369.56 0 2719 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41800 320 6 0.2759559633027523 No 0 11.490 No No
XXXXXX-1594     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-22-2026 801 801                                     801 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.27 42.32 39.75 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.79 69.33 69.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 656.85 272.71 0 1216 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15289 176 4 0.21467532467532469 No 0 6.740 No No
XXXXXX-1595     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-22-2026 750 750                                     750 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.44 36.74 38.18 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.04 61.13 61.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 345.96 197.94 0 1559 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 101570 233 9 0.3482171581769437 No 0 7.740 No No
XXXXXX-1596     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-23-2026 723 723                                     723 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.1 50.81 52.26 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.49 57.34 57.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1003.05 498.65 0 1690 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16000 158 8 0.5608515815085158 No 0 10.990 No No
XXXXXX-1597     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-18-2026 687 687                                     687 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.17 40.46 41.72 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.13 25.33 25.33 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 303.93 178.25 0 502 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 84376 284 10 0.6609044368600683 No 0 9.990 No No
XXXXXX-1598     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-20-2026 724 724     [Redacted] [Redacted] US Citizen 02-20-2026 820 820                     820 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.2 23.74 18.7 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 38.07 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 903.33 903.33 0 1128 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24500 157 7 0.24246080760095012 No 0 6.740 No No
XXXXXX-1599     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-24-2026 740 740     [Redacted] [Redacted] US Citizen 02-24-2026 696 696                     740 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.85 26.62 23.49 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.78 77.89 77.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.74 13.74 1329.9 722.61 0 2168 HELOC - ARM 360 360 [Redacted] 7.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 177 11 0.25154406891981446 No 0 13.740 No No
XXXXXX-1600     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-25-2026 700 700                                     700 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.8 28.34 27.84 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.86 59.07 59.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 225.54 129.05 0 2009 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 181 10 0.775 No 0 7.740 No No
XXXXXX-1601     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 11-04-2025   1 [Redacted] [Redacted] US Citizen 02-25-2026 700 700                                     700 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 18.44 20.58 22.98 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.02 20.02 20.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1363.04 620.35 0   HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 5500 142 4 0.9731234866828087 No 0 8.740 No No
XXXXXX-1602     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-25-2026 697 697     [Redacted] [Redacted] US Citizen 02-25-2026 695 695                     697 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.84 44.21 41.79 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.37 80.94 80.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1064.28 598.57 0 2096 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18200 128 11 0.6023631513264103 No 0 14.990 No No
XXXXXX-1603     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   2 [Redacted] [Redacted] US Citizen 02-23-2026 699 699     [Redacted] [Redacted] US Citizen 02-23-2026 692 692                     699 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.62 39.13 42.01 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.32 66.78 66.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 926.67 448.07 0 2499 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16044 210 5 0.7525504151838671 No 0 10.240 No No
XXXXXX-1604     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 11-04-2025   1 [Redacted] [Redacted] US Citizen 03-01-2026 704 704                                     704 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.87 30.89 32.86 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.04 71.34 71.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 308.3 180.81 0 1227 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20700 187 3 0.5734545454545454 No 0 9.990 No No
XXXXXX-1605     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-27-2025 656 656                                     656 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.21 40.61 44.78 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.09 55.54 55.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 10.74 10.74 947.5 466.65 0 2003.72 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail PUD 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23232 340 12 0.6650514839491217 No 0 10.740 No No
XXXXXX-1606     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-30-2025 687 687                                     687 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.3 49.2 51.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.95 88.01 88.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 13.99 13.99 487.31 299.7 0 1637 HELOC - ARM 180 180 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 78905 118 13 0.48561937889755885 No 0 13.990 No No
XXXXXX-1607     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 05-01-2025   2 [Redacted] [Redacted] US Citizen 08-25-2025 787 787     [Redacted] [Redacted] US Citizen 08-25-2025 796 796                     796 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.61 15.64 17.15 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 9.12 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 6.99 6.99 394.25 223.83 0 1394.83 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18000 120 6 0.1208595041322314 No 0 6.990 No No
XXXXXX-1608     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 693 693                                     693 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.51 49.4 45.55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.24 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 979.22 527.97 0 1965 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37612 81 21 0.4637179825719567 No 0 13.490 No No
XXXXXX-1609     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 10-01-2025 800 800     [Redacted] [Redacted] US Citizen 10-01-2025 691 691                     800 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 0.72 17.09 17.7 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.91 28.61 28.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 133.12 75.58 0 996 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37500 223 12 0.225149833518313 No 0 6.990 No No
XXXXXX-1610     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 10-09-2025 841 841                                     841 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.72 25.73 20.57 [Redacted] Retired Manual Verification Retirement Income Doc Verified N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.62 12.62 12.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 332.47 332.47 0   HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14200 254 9 0.04513054830287206 No 0 6.990 No No
XXXXXX-1611     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 10-11-2025 665 665                                     665 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.42 46.27 50 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.21 53.19 53.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 495.02 495.02 0 4525.74 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 70675 77 4 0.8489867841409692 No 0 11.490 No No
XXXXXX-1612     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 10-14-2025 743 743                                     743 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 22.42 53.75 50.22 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 33.03 84.91 84.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1121.13 504.65 0 875 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 55145 89 11 0.015768421052631577 No 0 8.490 No No
XXXXXX-1613     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 10-20-2025 714 714     [Redacted] [Redacted] US Citizen 10-20-2025 661 661                     714 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.9 45.02 48.02 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.55 40.15 40.15 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1915.83 951.93 0 1166 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21608 435 2 0.3842274412855377 No 0 10.990 No No
XXXXXX-1614     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 10-21-2025 789 789                                     789 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.68 51.56 53.67 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.97 65.79 65.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.56 0 1464 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16900 197 11 0.203205047318612 No 0 6.990 No No
XXXXXX-1615     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-01-2025   1 [Redacted] [Redacted] US Citizen 10-26-2025 764 764                                     764 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.14 52.59 50.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.13 84.05 84.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 820.1 361.06 0 1161 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27300 366 11 0.41478382147838216 No 0 7.990 No No
XXXXXX-1616     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 10-31-2025 750 750                                     750 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.2 6.87 9.58 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.83 10.83 10.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 433.49 188.67 0   HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 318 7 0.25103448275862067 No 0 7.740 No No
XXXXXX-1617     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 10-24-2025 720 720                                     720 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.57 29.71 32.44 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.82 58.56 58.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 465.62 218.51 0 1494 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41220 97 9 0.5717509727626459 No 0 9.490 No No
XXXXXX-1618     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   2 [Redacted] [Redacted] US Citizen 11-01-2025 828 828     [Redacted] [Redacted] US Citizen 11-06-2025 828 828                     828 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.44 35.68 34.34 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.46 45.14 45.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 249.61 141.71 0 2139 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 254 3 0.0211716621253406 No 0 6.990 No No
XXXXXX-1619     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 11-15-2025 776 776                                     776 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.12 33.54 39.07 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.43 72.28 72.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1379.47 634.3 0 1711 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31427 116 13 0.013560540152059613 No 0 8.990 No No
XXXXXX-1620     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 11-15-2025 747 747                                     747 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.09 51.61 51.61 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.93 28.56 28.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 170.78 97.44 0 1422.39 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 202 4 0.28325301204819275 No 0 7.490 No No
XXXXXX-1621     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 11-18-2025 805 805     [Redacted] [Redacted] US Citizen 11-18-2025 737 737                     805 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.48 52.02 49.87 [Redacted] Employed Work Number Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.12 70.84 70.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 864.88 376.47 0 3248 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24400 130 1 0.5919466073414905 No 0 7.740 No No
XXXXXX-1622     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 11-19-2025 736 736                                     736 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.88 21.21 25.45 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.42 10.42 10.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 416.01 174.79 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32000 145 5 0.3604741379310345 No 0 6.990 No No
XXXXXX-1623     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   1 [Redacted] [Redacted] US Citizen 11-20-2025 735 735                                     735 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.5 49.99 48.72 [Redacted] Employed Work Number Work Number Work Number 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.63 73.54 73.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1820.36 854.4 0 3251 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 81300 86 8 0.3089161554192229 No 0 9.490 No No
XXXXXX-1624     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 11-20-2025 691 691                                     691 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.25 25.49 25.16 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.65 67.84 67.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 905.83 429.42 0 2000 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4822 411 2 0 No 0 9.740 No No
XXXXXX-1625     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 11-26-2025 748 748                                     748 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.59 31.92 34.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.54 85.21 85.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 751.45 323.33 0 1348 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25098 80 10 0.09927659574468085 No 0 7.490 No No
XXXXXX-1626     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-01-2025   1 [Redacted] [Redacted] US Citizen 11-25-2025 833 833                                     833 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 31.48 55 53.81 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 31.68 33.71 33.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1596.65 695.0 0 789 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24028 347 9 0.031846282372598164 No 0 7.740 No No
XXXXXX-1627     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-04-2025 720 720                                     720 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.1 37.94 38.67 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.96 63.22 63.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 996.32 490.64 0 3325 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35150 439 10 0.6066024759284732 No 0 10.740 No No
XXXXXX-1628     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-05-2025 648 648                                     648 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.7 45.17 47.75 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.77 8.77 8.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 1051.67 562.79 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 35660 206 23 0.6455489997417406 No 0 13.240 No No
XXXXXX-1629     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-11-2025 717 717                                     717 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.91 43.26 45.41 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.56 74.47 74.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1379.47 634.3 0 2151 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31796 297 6 0.6633604392189362 No 0 8.990 No No
XXXXXX-1630     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-14-2025 640 640                                     640 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.31 27.46 30.86 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 24.13 24.13 24.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 1001.75 535.97 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8895 243 14 0.38940516273849607 No 0 13.240 No No
XXXXXX-1631     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-20-2025 687 687                                     687 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.67 54.54 51.19 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.78 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 699.85 393.31 0 2311 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47664 113 29 0.3807006920415225 No 0 14.990 No No
XXXXXX-1632     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-22-2025 774 774                                     774 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.08 26.22 22.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 30.26 57.25 57.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1414.44 594.24 0 1338 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35397 264 8 0.275752688172043 No 0 6.660 No No
XXXXXX-1633     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-01-2025   2 [Redacted] [Redacted] US Citizen 12-23-2025 702 702     [Redacted] [Redacted] US Citizen 12-23-2025 755 755                     755 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.75 54.11 53.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 22.54 76.01 76.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 761.05 761.05 0 1621 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37109 154 7 0.5174828769323687 No 0 8.990 No No
XXXXXX-1634     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-24-2025 802 802                                     802 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.93 36.37 34.57 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.07 41.49 41.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 359.1 161.61 0 1018 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11504 140 9 0.07143958868894601 No 0 8.490 No No
XXXXXX-1635     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-03-2026 755 755                                     755 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.83 52.64 55.74 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.06 76.03 76.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 802.89 802.89 0 1778 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8000 0 4 0.16059360730593608 No 0 6.990 No No
XXXXXX-1636     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-04-2026 755 755                                     755 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.91 34.07 35.11 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.92 82.06 82.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 842.97 358.42 0 5157 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34460 76 4 0.3301732283464567 No 0 7.240 No No
XXXXXX-1637     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-07-2026 670 670                                     670 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.01 47.15 48.57 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.68 59.16 59.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 232.87 232.87 0 931 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48917 76 3 0 No 0 10.240 No No
XXXXXX-1638     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-11-2026 715 715                                     715 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.69 44.31 47.56 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 28.65 59.95 59.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1790.83 840.41 0 1132 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51231 237 26 0.1302104632207539 No 0 9.490 No No
XXXXXX-1639     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-12-2026 660 660                                     660 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.4 31.4 33.53 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.94 44.32 44.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 937.08 457.08 0 2607 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29959 121 14 0.7722972972972973 No 0 10.490 No No
XXXXXX-1640     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 01-13-2026 794 794     [Redacted] [Redacted] US Citizen 01-13-2026 847 847                     847 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.19 54.4 51.24 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.21 73.43 73.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 698.68 698.68 0 2347 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22500 172 6 0.10687732342007435 No 0 7.490 No No
XXXXXX-1641     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-21-2026 775 775                                     775 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.34 40.6 42.18 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 21.43 74.35 74.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 944.95 944.95 0 2204.32 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37959 69 3 0.16265822784810127 No 0 7.740 No No
XXXXXX-1642     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-25-2026 705 705                                     705 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.54 36.5 36.41 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 29.41 78.04 78.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 2020.0 1047.27 0 1394 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36913 175 36 0.24952117076073416 No 0 12.240 No No
XXXXXX-1643     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-26-2026 676 676                                     676 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.82 29.04 30.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.67 54.37 54.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 709.52 399.05 0 854 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 3000 140 4 0.3945945945945946 No 0 14.990 No No
XXXXXX-1644     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 01-27-2026 627 627     [Redacted] [Redacted] US Citizen 01-27-2026 716 716                     716 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.36 18.93 22.27 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 33.43 33.43 33.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1284.0 552.34 0   HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21503 432 1 0.4379054054054054 No 0 7.490 No No
XXXXXX-1645     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-27-2026 654 654                                     654 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.79 49.88 48.91 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.12 54.54 54.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 631.86 631.86 0 2657 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35160 47 5 0.7612698412698413 No 0 14.990 No No
XXXXXX-1646     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 776 776                                     776 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.72 4.82 6.35 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.18 7.18 7.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1830.44 768.93 0   HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34600 180 2 0.2505688622754491 No 0 6.990 No No
XXXXXX-1647     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 01-29-2026 790 790     [Redacted] [Redacted] US Citizen 01-29-2026 792 792                     792 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.58 40.5 37.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 72.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 666.12 666.12 0 815 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20201 145 4 0.22684317718940936 No 0 5.990 No No
XXXXXX-1648     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-31-2026 657 657                                     657 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.94 36.22 36.23 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.08 29.55 29.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 968.33 485.33 0 692.2 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 46092 174 11 0.6784224841341795 No 0 11.240 No No
XXXXXX-1649     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 01-31-2026 736 736     [Redacted] [Redacted] US Citizen 01-31-2026 674 674                     736 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.16 29.52 29.09 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 30.51 76.07 76.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 1400.34 1400.34 0 1535 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36500 137 6 0.2468515366903594 No 0 10.740 No No
XXXXXX-1650     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-31-2026 749 749                                     749 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.28 36.3 40.12 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.35 58.78 58.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 610.94 306.2 0 631 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19521 112 8 0.21908902691511387 No 0 11.240 No No
XXXXXX-1651     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-21-2026 685 685                                     685 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.37 45.74 48.7 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.14 60.94 60.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 957.92 476.21 0 2387 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36991 178 16 0.3574175199089875 No 0 10.990 No No
XXXXXX-1652     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-28-2026 719 719                                     719 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.3 30.2 31.01 [Redacted] Employed Manual Verification Paystub Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 1084.48 498.52 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] BPO [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 12371 138 8 0.5086187188514472 No 0 8.990 No No
XXXXXX-1653     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-03-2026 764 764                                     764 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.13 40.56 40.05 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.39 88.73 88.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 212.73 121.11 0 3746 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15100 25 1 0.3100662251655629 No 0 7.240 No No
XXXXXX-1654     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-04-2026 662 662                                     662 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 18.38 25.12 24.95 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 25.75 25.75 25.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 1041.25 552.78 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21500 279 17 0.42413486005089057 No 0 12.990 No No
XXXXXX-1655     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-06-2026 764 764                                     764 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.72 44.43 42.55 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.33 53.88 53.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 716.23 289.88 0 1198 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33060 350 8 0.26842969776609726 No 0 6.240 No No
XXXXXX-1656     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 02-06-2026 847 847     [Redacted] [Redacted] US Citizen 02-06-2026 719 719                     847 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.69 38.86 37.79 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 33.21 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 758.42 758.42 0 1890 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32900 313 6 0.12322169059011165 No 0 5.990 No No
XXXXXX-1657     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-06-2026 748 748                                     748 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.66 29.06 30.16 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.82 69.58 69.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 502.11 210.93 0 1727 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30000 149 31 0.10018478527061024 No 0 6.990 No No
XXXXXX-1658     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-09-2026 647 647                                     647 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.33 34.51 35.09 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.99 39.99 39.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 631.86 0 2834 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22100 364 16 0.8125288857630865 No 0 14.990 No No
XXXXXX-1659     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 02-11-2026 743 743     [Redacted] [Redacted] US Citizen 02-11-2026 724 724                     743 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.53 37.97 37.55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 1.88 47.75 47.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 120.87 68.48 0 1997 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14787 123 5 0.41786604361370716 No 0 6.740 No No
XXXXXX-1660     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-12-2026 640 640                                     640 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.6 32.33 35.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.02 62.65 62.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 631.86 0 1383 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36448 250 8 0.9127053140096618 No 0 14.990 No No
XXXXXX-1661     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-13-2026 687 687                                     687 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.64 39.84 43.46 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.71 18.71 18.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 541.45 287.69 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21299 254 8 0.21842622950819673 No 0 12.990 No No
XXXXXX-1662     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 02-13-2026 653 653     [Redacted] [Redacted] US Citizen 02-13-2026 707 707                     707 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.41 49.26 52.05 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.66 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 773.11 434.81 0 3105 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30028 63 6 0.574875283446712 No 0 14.990 No No
XXXXXX-1663     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-12-2026 782 782                                     782 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.32 44.4 44.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 33.60 84.96 84.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1747.63 743.35 0 1856.84 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32658 103 19 0.024184552862857103 No 0 7.240 No No
XXXXXX-1664     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-16-2026 707 707                                     707 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.94 21 21.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.91 83.80 83.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1665.83 733.61 0 4177 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26367 141 6 0.7069268354996328 No 0 7.990 No No
XXXXXX-1665     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] Permanent Resident Alien 02-17-2026 773 773                                     773 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.89 40.46 47.1 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.07 28.96 28.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 444.58 444.58 0 1057.33 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 27555 88 5 0.015323076923076924 No 0 9.490 No No
XXXXXX-1666     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-17-2026 665 665                                     665 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.52 26.99 26.89 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.49 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 133.26 82.96 0 1089 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27701 143 16 0.7259468170829976 No 0 14.990 No No
XXXXXX-1667     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-17-2026 646 646                                     646 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.71 32.02 32.02 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.03 45.46 45.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.49 0 1043 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13000 214 19 0.8230463431901105 No 0 14.990 No No
XXXXXX-1668     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-23-2026 717 717                                     717 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.06 43.43 44.68 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.57 71.43 71.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 186.12 108.23 0 1704 HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28600 130 6 0.6897109826589596 No 0 9.240 No No
XXXXXX-1669     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-20-2026 667 667                                     667 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.06 44.74 48.14 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.56 44.83 44.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.49 0 1563 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19421 217 14 0.41633199464524767 No 0 14.990 No No
XXXXXX-1670     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-20-2026 709 709                                     709 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 21.34 49.52 49.04 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.35 62.57 62.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1422.78 800.2 0 1493 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8383 225 7 0.2754736842105263 No 0 14.990 No No
XXXXXX-1671     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-19-2026 695 695                                     695 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.29 48.16 48.8 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.30 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 238.56 143.68 0 2080 HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37011 148 32 0.27021258788081687 No 0 12.240 No No
XXXXXX-1672     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-21-2026 808 808                                     808 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.51 32.16 32.16 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.25 23.86 23.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 328.43 186.07 0 434.96 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4800 100 3 0.2196774193548387 No 0 6.740 No No
XXXXXX-1673     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-21-2026 807 807                                     807 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.11 25.64 29.28 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 68.10 68.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1529.61 696.16 0 517 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33600 300 10 0.07880871670702179 No 0 8.740 No No
XXXXXX-1674     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-30-2026 826 826                                     826 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.49 24.59 24.59 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.15 13.32 13.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 345.96 197.94 0 2259.79 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 7500 276 2 0.03911111111111111 No 0 7.740 No No
XXXXXX-1675     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-21-2026 710 710                                     710 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.3 49.73 51.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.11 82.58 82.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 236.5 147.23 0 1804 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21022 108 7 0.36 No 0 14.990 No No
XXXXXX-1676     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-22-2026 778 778                                     778 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 17.06 50.76 48.87 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.75 69.10 69.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 1957.5 990.44 0 2955 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49327 191 27 0.1130242098486323 No 0 11.490 No No
XXXXXX-1677     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-23-2026 702 702                                     702 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.27 49.3 50.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 21.32 74.92 74.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1707.5 768.8 0 2898 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37500 231 8 0.650257418328185 No 0 8.490 No No
XXXXXX-1678     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-23-2026 723 723                                     723 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 18.49 47.53 45.87 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 32.82 79.59 79.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 2126.71 1085.3 0 1327 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30539 339 8 0.781840419710966 No 0 11.740 No No
XXXXXX-1679     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-23-2026 731 731                                     731 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.81 37.08 40.07 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.79 69.21 69.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 156.36 95.58 0 1752.33 HELOC - ARM 180 180 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 3500 159 17 0.11714507370054306 No 0 13.490 No No
XXXXXX-1680     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 02-24-2026 844 844     [Redacted] [Redacted] US Citizen 02-24-2026 841 841                     844 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.66 50.85 53.84 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 4.35 44.83 44.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 686.05 331.73 0 3328 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32600 247 7 0.05600441501103753 No 0 10.240 No No
XXXXXX-1681     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-24-2026 703 703                                     703 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.57 55 51.07 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.76 16.30 16.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 398.89 232.6 0 314.56 HELOC - ARM 180 180 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47911 294 9 0 No 0 9.490 No No
XXXXXX-1682     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-24-2026 711 711                                     711 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.72 31.3 31.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.21 4.21 4.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 145.62 87.16 0   HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 52455 224 5 0 No 0 11.740 No No
XXXXXX-1683     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-25-2026 820 820                                     820 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.9 28.69 28.62 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 30.53 45.73 45.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 1769.6 1769.6 0 1621 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19000 290 3 0.0003355704697986577 No 0 9.740 No No
XXXXXX-1684     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-06-2026 830 830                                     830 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 21.2 52.31 52.31 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.03 32.93 32.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1431.07 601.44 0 988.41 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21262 234 6 0.01964809384164223 No 0 6.990 No No
XXXXXX-1685     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-25-2026 689 689                                     689 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.08 43.91 42.9 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.81 79.42 79.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 713.13 338.18 0 1580 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33300 358 13 0.9129882135428703 No 0 9.740 No No
XXXXXX-1686     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-25-2026 669 669                                     669 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5 31.35 30.41 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.83 59.07 48.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 457.4 457.4 0 3070.48 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19427 163 13 0.11512274515122745 No 0 10.490 No No
XXXXXX-1687     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-26-2026 727 727                                     727 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 19.1 52.5 51.76 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.15 68.01 68.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 843.95 358.97 0 901 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37439 154 4 0.7623933450898662 No 0 7.240 No No
XXXXXX-1688     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 02-26-2026 655 655     [Redacted] [Redacted] US Citizen 02-26-2026 733 733                     733 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.11 38.95 40.3 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 34.41 84.91 84.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1796.3 799.96 0 1106 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13400 130 12 0.7944080996884735 No 0 8.240 No No
XXXXXX-1689     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-26-2026 698 698                                     698 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.86 44.34 47.78 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.79 72.90 72.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.74 14.74 1114.17 622.49 0 2303 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 75245 189 8 0.2925786163522013 No 0 14.740 No No
XXXXXX-1690     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-27-2026 709 709                                     709 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.94 47.34 48.23 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.34 17.50 17.5 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 223.79 128.72 0 145.63 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6000 451 5 0.9123765252760023 No 0 8.240 No No
XXXXXX-1691     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-28-2026 711 711                                     711 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.55 39.39 43.25 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.15 86.94 86.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 735.72 338.4 0 1567 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9869 123 5 0.8484 No 0 8.990 No No
XXXXXX-1692     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-28-2026 812 812                                     812 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.75 20.71 19.08 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 39.24 39.24 39.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1330.18 592.38 0   HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 22836 149 4 0.0017307692307692308 No 0 8.240 No No
XXXXXX-1693     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-01-2026 646 646                                     646 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 17.99 25.35 29.86 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 30.48 51.27 51.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 473.02 294.46 0 286.92 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7000 399 6 0.6000357142857143 No 0 14.990 No No
XXXXXX-1694     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-01-2026 651 651                                     651 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.31 18.1 18.1 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.17 58.23 58.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 536.5 280.63 0 632.53 HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10400 140 3 0.898646288209607 No 0 12.490 No No
XXXXXX-1695     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-01-2026 692 692                                     692 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.56 43.86 47.93 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.17 84.49 84.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 946.02 532.06 0 2492 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24000 105 8 0.6269629629629629 No 0 14.990 No No
XXXXXX-1696     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-02-2026 738 738     [Redacted] [Redacted] US Citizen 03-02-2026 677 677                     738 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.62 43.05 42.36 [Redacted] Employed Work Number Work Number N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 17.88 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.24 14.24 1574.66 867.84 0 2131 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33100 469 11 0.5836034685360023 No 0 14.240 No No
XXXXXX-1697     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-18-2026 787 787                                     787 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.31 33.87 32.97 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 26.55 47.16 47.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 842.97 358.56 0 670 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 257 10 0.16920590562448443 No 0 7.240 No No
XXXXXX-1698     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-02-2026 692 692                                     692 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.26 48.05 48.76 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.75 5.75 5.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 437.97 266.11 0   HELOC - ARM 180 180 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 43090 194 32 0.07730718261330506 No 0 12.990 No No
XXXXXX-1699     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-02-2026 770 770     [Redacted] [Redacted] US Citizen 03-02-2026 840 840                     840 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.92 24.64 24.64 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 5.15 83.32 83.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 828.53 348.21 0 3625.8 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33800 169 2 0.13470056497175142 No 0 6.990 No No
XXXXXX-1700     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-12-2026 832 832                                     832 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.16 15.1 16.92 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.51 41.62 41.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 346.81 195.17 0 1022 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 279 1 0.162 No 0 5.990 No No
XXXXXX-1701     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-02-2026 744 744                                     744 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.75 40.36 43.55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.88 76.69 76.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 2158.81 1138.19 0 3547 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 4 25100 310 5 0.16334085778781038 No 0 12.740 No No
XXXXXX-1702     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-16-2026 695 695                                     695 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.92 41.15 41.68 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.83 70.94 70.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 159.93 96.04 0 2409 HELOC - ARM 180 180 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11500 254 13 0.3707009021512838 No 0 11.990 No No
XXXXXX-1703     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-03-2026 663 663     [Redacted] [Redacted] US Citizen 03-03-2026 698 698                     698 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.4 42.94 40.59 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 9.98 77.08 77.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 1010.0 524.06 0 2493 HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11863 262 4 0.7005829689777222 No 0 12.240 No No
XXXXXX-1704     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-03-2026 721 721                                     721 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.82 18.16 18.16 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.63 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 2008.59 1007.46 0 2069.07 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 100000 294 13 0.23288938603552276 No 0 11.240 No No
XXXXXX-1705     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-03-2026 697 697                                     697 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.88 38.44 38.77 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.78 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 309.49 192.66 0 2673 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28273 185 25 0.3529232804232804 No 0 14.990 No No
XXXXXX-1706     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-03-2026 683 683     [Redacted] [Redacted] US Citizen 03-03-2026 701 701                     701 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.54 40.26 37.98 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 16.78 79.11 79.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 1543.77 781.1 0 2274 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33822 365 20 0.8740846736801714 No 0 11.490 No No
XXXXXX-1707     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-03-2026 838 838     [Redacted] [Redacted] US Citizen 03-03-2026 803 803                     838 [Redacted] [Redacted] ND [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.57 38.01 38.9 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.14 81.67 81.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 315.29 177.43 0 2296 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 36156 178 10 0.10436717663421419 No 0 5.990 No No
XXXXXX-1708     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-03-2026 673 673                                     673 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.64 43.87 44.86 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.68 63.97 63.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 112.46 70.01 0 1288 HELOC - ARM 180 180 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16549 137 6 0.5126666666666667 No 0 14.990 No No
XXXXXX-1709     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-04-2026 784 784                                     784 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.41 32.75 33.9 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.64 80.40 80.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 686.06 291.81 0 5455 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 342 10 0.02580495356037152 No 0 7.240 No No
XXXXXX-1710     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-04-2026 691 691                                     691 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.5 49.87 54.03 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.14 83.98 83.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.49 0 2706 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 77429 193 6 0.7126012145748988 No 0 14.990 No No
XXXXXX-1711     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-05-2026 735 735     [Redacted] [Redacted] US Citizen 03-05-2026 729 729                     735 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.63 27 31.75 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.27 56.00 56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 1440.85 729.03 0 3107 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34400 100 4 0.4711819235225956 No 0 11.490 No No
XXXXXX-1712     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-06-2026 768 768                                     768 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.62 38.01 38.97 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.71 47.01 47.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 282.89 160.65 0 1387 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24518 89 6 0.3440199335548173 No 0 6.990 No No
XXXXXX-1713     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-06-2026 711 711                                     711 [Redacted] [Redacted] NH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.07 22.49 24.59 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.45 11.45 65.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 864.88 376.53 0 2174 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 267716 177 12 0.31137349397590364 No 0 7.740 No No
XXXXXX-1714     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-07-2026 702 702                                     702 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.09 37.14 35.06 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 19.14 59.54 59.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 1105.85 592.06 0 548 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 51198 290 33 0.3604670533537278 No 0 13.240 No No
XXXXXX-1715     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-07-2026 733 733                                     733 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.82 25.41 25.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.62 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 376.11 216.32 0 956.39 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 322224 473 6 0.6926479408236705 No 0 8.240 No No
XXXXXX-1716     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-27-2026 724 724                                     724 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.92 38.39 36.46 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.66 52.30 52.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1576.5 694.27 0 8775 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 70000 184 14 0.10656810201441508 No 0 7.990 No No
XXXXXX-1717     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-08-2026 816 816                                     816 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.56 24.82 25.01 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.27 84.18 84.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 252.22 141.94 0 1792 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34105 219 22 0.059997695418072115 No 0 5.990 No No
XXXXXX-1718     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-05-2026 742 742                                     742 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.8 11.72 13.48 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.37 62.05 62.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 1048.54 1048.54 0 14080.88 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 102049 136 21 0.07645879410488021 No 0 7.490 No No
XXXXXX-1719     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-08-2026 744 744                                     744 [Redacted] [Redacted] NH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.54 53.16 54.83 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.49 44.36 44.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 492.68 240.48 0 2594 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21190 215 14 0.13479710498495567 No 0 10.490 No No
XXXXXX-1720     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-08-2026 784 784                                     784 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.47 19 17.94 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.00 48.24 48.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 464.14 185.53 0 1398 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7450 79 3 0 No 0 5.990 No No
XXXXXX-1721     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-08-2026 703 703                                     703 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 19.92 47.43 49.91 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.61 72.09 72.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1593.8 896.39 0 1788 HELOC - ARM 360 360 [Redacted] 8.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35100 330 7 0.5648416666666667 No 0 14.990 No No
XXXXXX-1722     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-09-2026 703 703     [Redacted] [Redacted] US Citizen 03-09-2026 780 780                     780 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.61 53.28 54.83 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 17.25 83.77 83.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 1461.62 706.73 0 2238 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40101 151 13 0.21600591670390287 No 0 10.240 No No
XXXXXX-1723     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-08-2026 712 712                                     712 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.11 37.76 38.19 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.18 86.48 86.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 449.37 204.49 0 5063 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 101659 152 20 0.15647590361445782 No 0 8.740 No No
XXXXXX-1724     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-23-2026 806 806                                     806 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.94 9.71 11.28 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.71 13.71 13.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.64 0   HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21700 328 5 0.14373597359735973 No 0 6.990 No No
XXXXXX-1725     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-09-2026 733 733                                     733 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.37 39.14 38.38 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.96 63.49 63.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 294.66 168.59 0 1448 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17924 170 4 0.014 No 0 7.740 No No
XXXXXX-1726     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-09-2026 824 824                                     824 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.4 39.21 39.97 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 0.81 10.25 10.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 124.32 69.96 0 1354 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44400 355 8 0.07101027397260273 No 0 5.990 No No
XXXXXX-1727     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-09-2026 845 845                                     845 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.97 4.66 3.8 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.61 5.61 5.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 215.49 121.27 0   HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27500 280 4 0.008149134487350199 No 0 5.990 No No
XXXXXX-1728     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-07-2026 745 745                                     745 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.97 38.36 37.15 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 22.07 65.47 65.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 649.09 649.09 0 1568 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24853 144 4 0.4154285714285714 No 0 11.990 No No
XXXXXX-1729     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-10-2026 757 757                                     757 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.55 53.26 54.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.39 75.57 75.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 591.22 288.58 0 3628 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 79904 87 15 0.1708217270194986 No 0 10.490 No No
XXXXXX-1730     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-11-2026 675 675     [Redacted] [Redacted] US Citizen 03-11-2026 748 748                     748 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.29 40.97 45.33 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 12.15 77.46 77.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 994.24 417.85 0 2604 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22500 210 7 0.6418988902589395 No 0 6.990 No No
XXXXXX-1731     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-11-2026 750 750     [Redacted] [Redacted] US Citizen 03-11-2026 715 715                     750 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.87 27.3 30.9 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.58 8.58 8.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 723.43 292.92 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 21000 425 28 0.5259529624171096 No 0 6.240 No No
XXXXXX-1732     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-11-2026 684 684                                     684 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.9 38.98 35.24 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.36 83.84 83.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 440.7 257.72 0 3683 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 79781 516 14 0.5916346153846154 No 0 9.740 No No
XXXXXX-1733     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-11-2026 733 733     [Redacted] [Redacted] US Citizen 03-11-2026 803 803                     803 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.56 55 54.02 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.89 75.07 75.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 459.08 459.08 0 3997 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 22900 273 9 0.16581151832460733 No 0 8.240 No No
XXXXXX-1734     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-11-2026 799 799                                     799 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.73 43.67 49.19 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.66 58.97 58.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 955.85 453.29 0 1787 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40000 403 14 0.044553526229871854 No 0 9.740 No No
XXXXXX-1735     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-12-2026 703 703                                     703 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.87 27.42 28.71 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.09 67.14 67.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 427.7 186.2 0 1234 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7892 142 5 0.35244755244755244 No 0 7.740 No No
XXXXXX-1736     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-12-2026 827 827                                     827 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.52 13.73 18.45 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.35 7.35 7.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 438.31 175.21 0   HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30700 397 10 0.03497313810175919 No 0 5.990 No No
XXXXXX-1737     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-12-2026 784 784                                     784 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.77 45.23 47.27 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.89 41.12 41.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 218.49 123.21 0 1084 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13229 433 11 0.2652186338953987 No 0 6.240 No No
XXXXXX-1738     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-12-2026 710 710                                     710 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3 27.08 28.3 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.86 53.12 53.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 280.03 132.8 0 1662 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37027 151 3 0.21465753424657535 No 0 9.740 No No
XXXXXX-1739     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-13-2026 817 817                                     817 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.88 39.76 44.49 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.42 74.14 74.14 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 394.1 157.52 0 2269 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32000 142 10 0.010620067643742953 No 0 5.990 No No
XXXXXX-1740     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-13-2026 804 804                                     804 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.16 24.38 27.04 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.18 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 859.61 411.66 0 2236 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29500 265 21 0.014863881205415635 No 0 9.990 No No
XXXXXX-1741     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-13-2026 693 693     [Redacted] [Redacted] US Citizen 03-13-2026 654 654                     693 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.96 43.68 42.42 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.81 77.71 77.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.49 0 1674 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 78694 234 11 0.38659320477502296 No 0 14.990 No No
XXXXXX-1742     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-09-2026 670 670                                     670 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.89 34.57 34.57 [Redacted] Employed Manual Verification Tax Return/Transcript W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.57 24.63 24.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 293.1 172.87 0 210.78 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7000 202 6 0.7996788990825688 No 0 10.490 No No
XXXXXX-1743     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-13-2026 780 780                                     780 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.9 44.83 45.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.82 85.61 85.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 140.98 81.98 0 1415 HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40537 147 9 0.10177631578947369 No 0 9.240 No No
XXXXXX-1744     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-14-2026 709 709                                     709 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.47 37.63 36.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.63 85.88 85.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 527.58 252.62 0 2028 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48603 92 18 0.27696888797617825 No 0 9.990 No No
XXXXXX-1745     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-14-2026 674 674                                     674 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.07 45.63 46.75 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.53 71.99 71.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 514.37 262.45 0 2927 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17715 204 13 0.696105023326462 No 0 11.740 No No
XXXXXX-1746     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-14-2026 663 663                                     663 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.5 36.57 33.57 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.92 23.37 23.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 632.35 632.35 0 979 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38776 246 4 0.7121311475409836 No 0 14.990 No No
XXXXXX-1747     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-14-2026 787 787     [Redacted] [Redacted] US Citizen 03-14-2026 849 849                     849 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.23 52.17 54.94 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 24.45 73.41 73.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1832.5 877.45 0 1983 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 54252 213 11 0.10683524439609822 No 0 9.990 No No
XXXXXX-1748     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-14-2026 797 797     [Redacted] [Redacted] US Citizen 03-14-2026 787 787                     797 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.08 31.7 33.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 7.74 13.43 13.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 962.32 418.95 0 0 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45337 315 12 0.1793737574552684 No 0 7.740 No No
XXXXXX-1749     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-15-2026 690 690                                     690 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13 47.02 46.16 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.98 50.67 50.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 901.09 506.79 0 1548 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28284 315 12 0.8467660922648945 No 0 14.990 No No
XXXXXX-1750     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-15-2026 736 736     [Redacted] [Redacted] US Citizen 03-15-2026 732 732                     736 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.36 32.96 35.65 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 23.46 84.97 84.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 2595.4 1168.57 0 1861 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 66452 242 10 0.3792474950985705 No 0 8.490 No No
XXXXXX-1751     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-16-2026 681 681                                     681 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.87 46.83 48.11 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.01 79.18 79.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 320.17 188.83 0 1450 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42123 227 13 0.3030279551230397 No 0 10.490 No No
XXXXXX-1752     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-16-2026 711 711     [Redacted] [Redacted] US Citizen 03-16-2026 704 704                     711 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.08 42.86 45.8 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.65 80.08 80.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1832.5 877.45 0 5015 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30493 229 4 0.6018911564625851 No 0 9.990 No No
XXXXXX-1753     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-17-2026 782 782                                     782 [Redacted] [Redacted] MT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.64 29 27.4 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 26.86 60.41 60.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1033.78 1033.78 0 1220 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43974 261 8 0.19397424892703863 No 0 8.740 No No
XXXXXX-1754     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-17-2026 826 826                                     826 [Redacted] [Redacted] ID [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.95 28.9 32.32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.87 28.22 28.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 155.32 155.32 0 500 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 21400 372 8 0.10383036935704515 No 0 5.990 No No
XXXXXX-1755     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-17-2026 642 642     [Redacted] [Redacted] US Citizen 03-17-2026 730 730                     730 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.81 53.65 51.93 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 21.11 83.91 83.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 896.69 441.67 0 1333 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50739 281 12 0.5633844942935852 No 0 10.740 No No
XXXXXX-1756     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-18-2026 682 682     [Redacted] [Redacted] US Citizen 03-18-2026 713 713                     713 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.56 13.78 13.8 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 14.94 52.53 52.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 666.75 316.15 0 898 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5709 194 4 0.8691479820627803 No 0 9.740 No No
XXXXXX-1757     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-18-2026 655 655                                     655 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.96 39.91 43.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.24 48.34 48.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 709.52 398.96 0 535 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 58225 197 8 0.7336239782016348 No 0 14.990 No No
XXXXXX-1758     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-18-2026 683 683     [Redacted] [Redacted] US Citizen 03-18-2026 753 753                     753 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.54 41.21 44.29 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 8.21 82.83 82.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 597.74 257.24 0 2067 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19007 338 28 0.33101611399653746 No 0 7.490 No No
XXXXXX-1759     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-18-2026 723 723     [Redacted] [Redacted] US Citizen 03-18-2026 704 704                     723 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 26.65 51.5 48.52 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 24.49 75.89 75.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 1811.67 859.01 0 1433 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 15500 229 6 0.5779555742709759 No 0 9.740 No No
XXXXXX-1760     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-18-2026 666 666     [Redacted] [Redacted] US Citizen 03-18-2026 820 820                     820 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.21 23.41 25.25 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 12.62 60.60 60.6 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 789.12 315.41 0 1430 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29554 142 13 0.44606638438989726 No 0 5.990 No No
XXXXXX-1761     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-18-2026 736 736                                     736 [Redacted] [Redacted] WY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.43 32.68 33.52 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.80 63.82 63.82 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 305.47 181.76 0 922 HELOC - ARM 180 180 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 73343 79 6 0.2838362068965517 No 0 11.240 No No
XXXXXX-1762     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-17-2026 838 838                                     838 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.65 43.09 43.53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.16 51.45 51.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 495.48 200.6 0 4890 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12500 161 9 0.008509090909090909 No 0 6.240 No No
XXXXXX-1763     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-09-2026 734 734                                     734 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.02 31.57 32.42 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.65 78.94 78.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 176.9 100.95 0 891 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57779 210 16 0.2139375 No 0 7.490 No No
XXXXXX-1764     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-11-2026 749 749                                     749 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.24 38.72 38.72 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.45 60.07 60.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 1543.77 780.97 0 506.56 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50993 156 15 0.09105 No 0 11.490 No No
XXXXXX-1765     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-19-2026 816 816                                     816 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.52 27.4 30.25 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.95 68.41 68.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 788.2 315.05 0 2283 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18700 237 6 0.11195476575121163 No 0 5.990 No No
XXXXXX-1766     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-19-2026 849 849                                     849 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.59 32.83 31.21 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.30 28.20 28.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 140.9 79.29 0 723 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 285 10 0.0573322005097706 No 0 5.990 No No
XXXXXX-1767     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-19-2026 709 709                                     709 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 14.55 41.06 45.04 [Redacted] Employed Manual Verification Paystub/W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 25.11 72.68 72.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1026.35 476.94 0 1337 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35900 159 11 0.4011554921540656 No 0 9.240 No No
XXXXXX-1768     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-19-2026 692 692                                     692 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.5 42.1 40.54 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.91 18.91 18.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 766.43 407.15 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30703 195 10 0.44152027027027024 No 0 12.990 No No
XXXXXX-1769     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-20-2026 776 776                                     776 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.72 35.27 37.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.49 59.94 59.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 1916.09 908.53 0 2383 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33185 162 10 0.11265534382767191 No 0 9.740 No No
XXXXXX-1770     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-20-2026 726 726     [Redacted] [Redacted] US Citizen 03-20-2026 704 704                     726 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.8 36.11 40.46 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 16.12 68.71 68.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 2530.0 1126.56 0 3558 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37063 281 10 0.45212060159986134 No 0 8.240 No No
XXXXXX-1771     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-19-2026 830 830                                     830 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.7 9.48 8.7 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.13 2.13 2.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 157.64 88.71 0   HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12360 307 2 0 No 0 5.990 No No
XXXXXX-1772     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-20-2026 670 670     [Redacted] [Redacted] US Citizen 03-20-2026 737 737                     737 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.01 48.22 50.51 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.36 83.26 83.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 700.67 308.53 0 4324 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 220283 238 8 0.4369230769230769 No 0 7.990 No No
XXXXXX-1773     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-18-2026 800 800                                     800 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.4 20.95 19.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 0.52 4.27 0.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 82.89 46.64 0 0 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16900 457 6 0.15860517435320584 No 0 5.990 No No
XXXXXX-1774     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-22-2026 700 700     [Redacted] [Redacted] US Citizen 03-22-2026 742 742                     742 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.95 42.58 45.42 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.44 60.93 60.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1737.07 756.24 0 2992 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41725 249 11 0.515580985915493 No 0 7.740 No No
XXXXXX-1775     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-23-2026 828 828                                     828 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.9 22.41 23.44 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.34 4.34 4.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 99.46 55.97 0   HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22000 295 4 0.00984423676012461 No 0 5.990 No No
XXXXXX-1776     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-20-2026 757 757                                     757 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.04 42.83 44.5 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.96 69.55 69.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 269.38 153.72 0 1975 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30421 118 3 0 No 0 7.490 No No
XXXXXX-1777     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-23-2026 712 712     [Redacted] [Redacted] US Citizen 03-23-2026 728 728                     728 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.55 21.67 21.03 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.15 37.90 37.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 240.1 136.67 0 1059 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 67064 182 2 0.4343529411764706 No 0 7.240 No No
XXXXXX-1778     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-21-2026 726 726                                     726 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.98 38.27 34.15 [Redacted] Employed Manual Verification Paystub W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.08 88.42 88.42 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 456.85 210.1 0 1622 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42458 124 9 0.32182844243792325 No 0 8.990 No No
XXXXXX-1779     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-23-2026 685 685     [Redacted] [Redacted] US Citizen 03-23-2026 798 798                     798 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.79 28.22 32.34 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.98 59.63 59.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 551.74 220.53 0 946 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9256 145 6 0.190844250363901 No 0 5.990 No No
XXXXXX-1780     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 682 682                                     682 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.65 10.81 15.81 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.14 66.93 66.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 564.93 265.2 0 1279 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15393 142 9 0.08888888888888889 No 0 9.490 No No
XXXXXX-1781     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 836 836                                     836 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.32 7.77 9.66 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.10 6.10 6.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 248.65 139.92 0   HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17000 283 10 0.005111192027079878 No 0 5.990 No No
XXXXXX-1782     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 685 685                                     685 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.95 18.68 16.98 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.71 11.71 11.71 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 460.2 213.85 0   HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 41413 80 4 0.10273972602739725 No 0 9.240 No No
XXXXXX-1783     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-24-2026 822 822     [Redacted] [Redacted] US Citizen 03-24-2026 850 850                     850 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.13 42.08 39.17 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.01 22.76 22.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 794.33 794.33 0 1571 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 36000 357 7 0.1448378164556962 No 0 8.240 No No
XXXXXX-1784     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 702 702                                     702 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.19 18.44 18.44 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.98 39.07 39.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1645.0 716.16 0 805.57 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5000 147 14 0.2851946394384174 No 0 7.740 No No
XXXXXX-1785     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 807 807                                     807 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.87 5.37 3.09 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.13 12.13 12.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1553.0 652.61 0   HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45200 422 23 0.005791489361702128 No 0 6.990 No No
XXXXXX-1786     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-24-2026 804 804     [Redacted] [Redacted] US Citizen 03-24-2026 821 821                     821 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.73 20.72 25.16 [Redacted] Employed Manual Verification W2 IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Retired Manual Verification 1099 IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 19.88 61.18 61.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1729.75 753.06 0 1719 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 316 7 0.14678074866310162 No 0 7.740 No No
XXXXXX-1787     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 775 775                                     775 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.44 48.15 48.76 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.38 51.27 51.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 277.31 156.38 0 1284 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16900 297 26 0.08362834284878655 No 0 6.240 No No
XXXXXX-1788     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-25-2026 750 750     [Redacted] [Redacted] US Citizen 03-25-2026 742 742                     750 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.09 40.76 40.26 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 2.93 79.46 79.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 368.38 211.3 0 2761 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 61828 264 4 0.25757671957671957 No 0 7.990 No No
XXXXXX-1789     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-18-2026 715 715                                     715 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.5 54.49 53.45 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.36 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 330.76 330.76 0 3141 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28116 266 6 0.13896103896103895 No 0 10.240 No No
XXXXXX-1790     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 693 693                                     693 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.27 51.59 49.13 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 21.28 21.28 21.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 553.14 553.14 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 64919 91 9 0.3604301075268817 No 0 12.990 No No
XXXXXX-1791     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-26-2026 760 760                                     760 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 25.24 42.76 42.76 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 18.96 22.04 22.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1436.38 646.64 0 251.5 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12693 213 12 0.1007600434310532 No 0 8.490 No No
XXXXXX-1792     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-26-2026 781 781                                     781 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.81 51.99 53.25 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.39 83.03 83.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 476.79 226.07 0 4058 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27525 284 6 0.14424581005586593 No 0 9.740 No No
XXXXXX-1793     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-27-2026 824 824                                     824 [Redacted] [Redacted] ID [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.03 49.14 47.64 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.09 71.63 71.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 853.92 367.48 0 1742 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32200 214 9 0.06554438860971525 No 0 7.490 No No
XXXXXX-1794     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-28-2026 800 800                                     800 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.99 33.09 37.56 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.38 65.25 65.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 6246.67 2593.18 0 6750 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40429 167 12 0.06286242665394433 No 0 6.740 No No
XXXXXX-1795     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 692 692                                     692 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.77 53.59 54.59 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.32 75.05 75.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 779.53 376.86 0 1090 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37843 235 16 0.5261498314667826 No 0 10.240 No No
XXXXXX-1796     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 739 739                                     739 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 15.16 28.12 32.69 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 22.99 62.91 62.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1348.76 573.62 0 1388 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17500 149 6 0.3644915254237288 No 0 7.240 No No
XXXXXX-1797     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 05-21-2025 684 684                                     684 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.22 48.4 49.28 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.28 86.34 86.34 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 11.74 11.74 187.94 112.48 0 1817 HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12900 104 4 0.6838811188811189 No 0 11.740 No No
XXXXXX-1798     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-15-2025 696 696                                     696 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.76 39.28 38.43 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.52 88.12 88.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 12.74 12.74 173.43 105.07 0 3428 HELOC - ARM 180 180 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 16000 145 9 0.4160679611650485 No 0 12.740 No No
XXXXXX-1799     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 06-20-2025 665 665                                     665 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.4 30.55 34.21 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.86 48.20 48.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 13.74 13.74 563.88 306.34 0 0 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4573 202 10 0.8400649350649351 No 0 13.740 No No
XXXXXX-1800     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-14-2025 711 711                                     711 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.38 32.83 33.75 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.87 77.12 77.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 10.74 10.74 1600.84 788.41 0 1715 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27509 231 11 0.5123491379310345 No 0 10.740 No No
XXXXXX-1801     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 07-26-2025 682 682     [Redacted] [Redacted]  Permanent Resident Alien 07-26-2025 659 659                     682 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.77 46.64 43.25 [Redacted] Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.97 51.67 51.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 13.49 13.49 1062.08 572.67 0 1437 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 209 13 0.6923297240656654 No 0 13.490 No No
XXXXXX-1802     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 08-08-2025 743 743                                     743 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.8 37.44 35.9 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.69 50.12 50.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 875.83 385.61 0 1188 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17503 275 33 0.11434434782608696 No 0 0.0 No No
XXXXXX-1803     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 05-01-2025   2 [Redacted] [Redacted] US Citizen 08-05-2025 844 844     [Redacted] [Redacted] US Citizen 08-12-2025 773 773                     844 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno   15.89 20.51 [Redacted] Employed Work Number Work Number N/A 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.56 54.21   [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 6.99 6.99 1664.03 699.14 0   HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35400 368 3 0.03372413793103448 No 0 6.990 No No
XXXXXX-1804     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   2 [Redacted] [Redacted] US Citizen 08-17-2025 680 680     [Redacted] [Redacted] US Citizen 08-17-2025 706 706                     706 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.06 35.98 35.7 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 14.29 51.79 51.79 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 11.49 11.49 1029.18 520.48 0 1008 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34229 171 8 0.9411579296615793 No 0 11.490 No No
XXXXXX-1805     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 08-17-2025 668 668                                     668 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.26 49.31 48.55 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.13 46.01 46.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 12.24 12.24 1010.0 523.78 0 2402 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 1500 310 1 0.44333333333333336 No 0 12.240 No No
XXXXXX-1806     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 07-25-2025 696 696                                     696 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.83 42.04 41.29 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.02 35.16 35.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 10.99 10.99 402.91 238.96 0 0 HELOC - ARM 180 180 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31989 162 8 0.636969696969697 No 0 10.990 No No
XXXXXX-1807     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 08-19-2025 658 658                                     658 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 24.26 43.33 46.44 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 22.59 36.67 36.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.08 0 196 HELOC - ARM 360 360 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35000 311 6 0.827425 No 0 14.990 No No
XXXXXX-1808     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 08-19-2025 722 722                                     722 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.86 26.17 23.09 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.92 36.12 36.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 9.74 9.74 857.26 406.36 0 1730 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 334 9 0.37975363791322747 No 0 9.740 No No
XXXXXX-1809     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 08-15-2025 736 736                                     736 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.69 27.39 27.24 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.46 62.94 62.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 9.24 9.24 465.3 216.16 0 2874.75 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5200 310 4 0.42992424242424243 No 0 9.240 No No
XXXXXX-1810     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 08-21-2025 705 705                                     705 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.28 37.2 36.78 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 21.20 51.87 51.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 11.49 11.49 1236.46 625.3 0 1263 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10727 203 6 0.3313333333333333 No 0 11.490 No No
XXXXXX-1811     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 08-24-2025 756 756                                     756 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.72 45.92 50.85 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.75 87.76 87.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 788.29 384.64 0 1667 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39565 134 14 0.14546705477639588 No 0 10.490 No No
XXXXXX-1812     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 05-01-2025   1 [Redacted] [Redacted] US Citizen 08-24-2025 814 814                                     814 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.46 19.97 21.66 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 23.00 71.39 71.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.4 7.49 7.49 893.29 384.34 0 1249 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40001 210 3 0.6329347421562758 No 0 7.490 No No
XXXXXX-1813     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-01-2025 661 661                                     661 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.82 42.42 41.79 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.86 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 317.94 197.8 0 2081 HELOC - ARM 180 180 [Redacted] 7.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48013 335 33 0.8226311493655858 No 0 14.990 No No
XXXXXX-1814     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-01-2025 713 713                                     713 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.06 45.84 44.39 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.26 77.05 77.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 858.39 448.76 0 2890 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 325 4 0.7700327868852459 No 0 12.490 No No
XXXXXX-1815     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-01-2025 660 660                                     660 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.73 48.44 48.17 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.50 58.44 58.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 213.7 129.02 0 2758 HELOC - ARM 180 180 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 61224 123 14 0.8258858234722268 No 0 12.490 No No
XXXXXX-1816     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 09-05-2025 730 730     [Redacted] [Redacted] US Citizen 09-05-2025 708 708                     730 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.16 46.94 48.95 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.45 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 523.15 247.99 0 3534 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 76660 134 6 0.38686131386861317 No 0 9.740 No No
XXXXXX-1817     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-07-2025 786 786                                     786 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.93 35.61 39.29 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.62 88.94 88.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 950.14 408.83 0 3122 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27900 217 8 0.20631336405529954 No 0 7.490 No No
XXXXXX-1818     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-07-2025 775 775                                     775 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.4 48.69 46.59 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.42 41.31 41.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 192.69 112.96 0 2246 HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 87010 222 18 0.07339820331779964 No 0 9.990 No No
XXXXXX-1819     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-10-2025 731 731                                     731 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.08 2.58 3.06 [Redacted] Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.27 14.27 58.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 2431.56 1219.18 0 2916 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 33000 240 14 0.18936904221516115 No 0 11.240 No No
XXXXXX-1820     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-17-2025 662 662                                     662 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 19.86 34.36 38.41 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 32.35 32.35 32.35 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 926.67 447.92 0   HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18860 180 17 0.39375448671931085 No 0 10.240 No No
XXXXXX-1821     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-25-2025 700 700                                     700 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.4 43.02 44.63 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.24 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 1073.12 498.59 0 2910 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 318845 325 32 0.2280640465793304 No 0 9.240 No No
XXXXXX-1822     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 09-28-2025 650 650                                     650 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.73 28.94 28.35 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.05 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 264.28 163.47 0 1859 HELOC - ARM 180 180 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 18753 239 20 0.6653886010362694 No 0 14.490 No No
XXXXXX-1823     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 10-07-2025 702 702                                     702 [Redacted] [Redacted] ID [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.63 38.6 37.91 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.04 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 750.3 398.42 0 2249 HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17858 136 11 1.0055921052631578 No 0 12.990 No No
XXXXXX-1824     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 10-27-2025 764 764     [Redacted] [Redacted] US Citizen 10-27-2025 829 829                     829 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.03 35.56 38.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.23 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1023.12 429.85 0 3510 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45124 228 19 0.11016049411418254 No 0 6.990 No No
XXXXXX-1825     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 10-28-2025 779 779                                     779 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.05 37.2 40.68 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.09 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 878.57 369.12 0 2365 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 7.25             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22608 1 11 0.053986013986013985 No 0 6.990 No No
XXXXXX-1826     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 11-12-2025 763 763                                     763 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.16 22.33 25.44 [Redacted] Employed Manual Verification Tax Return/Transcript Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 55.23 55.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1212.99 509.66 0 583.59 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 192381 150 10 0.2528828043316612 No 0 6.990 No No
XXXXXX-1827     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 11-23-2025 682 682                                     682 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.32 55 53.86 [Redacted] Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.31 10.31 10.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 509.27 253.08 0   HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 22269 238 7 0.673572343149808 No 0 10.990 No No
XXXXXX-1828     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 12-12-2025 676 676     [Redacted] [Redacted] US Citizen 12-12-2025 741 741                     741 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 14.7 47.08 44.64 [Redacted] Employed Manual Verification Work Number W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 24.88 77.09 77.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 857.26 406.33 0 927 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8484 127 8 0.48154676258992807 No 0 9.740 No No
XXXXXX-1829     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-13-2025 683 683                                     683 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.48 48.9 50.55 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.66 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 652.48 324.24 0 1538 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28686 76 7 0.5116402499336566 No 0 10.990 No No
XXXXXX-1830     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-17-2025 684 684                                     684 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.14 47.36 51.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.00 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 910.91 448.51 0 2727 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38032 342 12 0.348678252414227 No 0 10.740 No No
XXXXXX-1831     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 12-24-2025 813 813     [Redacted] [Redacted] US Citizen 12-24-2025 795 795                     813 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.3 48.34 49.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 5.71 76.45 76.45 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 422.28 181.68 0 2219 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 64564 165 12 0.03608274078862314 No 0 7.490 No No
XXXXXX-1832     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 12-30-2025 737 737                                     737 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.11 55 53.49 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.34 50.67 50.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 815.94 815.94 0 1970 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57192 353 3 0.6127826086956522 No 0 10.240 No No
XXXXXX-1833     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 01-05-2026 803 803     [Redacted] [Redacted] US Citizen 01-05-2026 751 751                     803 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.93 49.99 52.43 [Redacted] Employed Manual Verification Paystub/W2 Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.55 88.41 88.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 864.88 376.42 0 3157 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 43211 77 10 0.023000980712651192 No 0 7.740 No No
XXXXXX-1834     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 01-07-2026 720 720     [Redacted] [Redacted] US Citizen 01-07-2026 683 683                     720 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.38 14.87 14.87 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.39 56.81 56.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 861.26 374.85 0 894.17 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 7             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37169 289 3 0.6067553191489362 No 0 7.740 No No
XXXXXX-1835     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-09-2026 742 742                                     742 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.78 16.2 19.58 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 24.43 78.21 78.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 753.24 353.49 0 646 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12500 350 6 0.46236523797002366 No 0 9.490 No No
XXXXXX-1836     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-24-2026 706 706                                     706 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.06 50.86 51.89 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.81 88.38 88.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 867.16 457.19 0 1744 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23457 324 36 0.19874877169996724 No 0 12.740 No No
XXXXXX-1837     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   2 [Redacted] [Redacted] US Citizen 01-29-2026 731 731     [Redacted] [Redacted] US Citizen 01-29-2026 727 727                     731 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.04 32.77 34.86 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 5.73 56.74 56.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 525.5 231.42 0 2221 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31129 270 9 0.32424309392265194 No 0 7.990 No No
XXXXXX-1838     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-29-2026 805 805                                     805 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.97 29.5 33.94 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.06 8.06 8.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 1106.15 492.34 0   HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 10800 245 3 0.1402061855670103 No 0 8.240 No No
XXXXXX-1839     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 01-30-2026 748 748                                     748 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.77 24.09 28.88 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.30 55.85 55.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1156.15 553.31 0 1657 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35256 201 8 0.06446601941747573 No 0 9.990 No No
XXXXXX-1840     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-02-2026 751 751                                     751 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.43 43.71 45.87 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.99 68.80 68.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 822.22 349.73 0 1808 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19394 117 9 0.28610307875489027 No 0 7.240 No No
XXXXXX-1841     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-03-2026 669 669                                     669 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 17.35 45.72 40.99 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.26 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1084.64 609.42 0 1085 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 876193 249 12 0.7831089108910891 No 0 14.990 No No
XXXXXX-1842     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-09-2026 797 797                                     797 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 18.15 49.99 49.51 [Redacted] Employed Manual Verification Tax Return/Transcript Tax Return 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 27.81 75.86 75.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 1161.23 1161.23 0 1881 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28500 76 3 0.14369086971389491 No 0 9.990 No No
XXXXXX-1843     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-11-2026 770 770                                     770 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 21.75 26.52 22.95 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.59 14.59 14.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 634.24 253.53 0   HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15417 135 11 0.049965808069295646 No 0 5.990 No No
XXXXXX-1844     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 02-16-2026 779 779     [Redacted] [Redacted] US Citizen 02-16-2026 745 745                     779 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.15 30.4 31.23 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.54 64.44 64.44 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 441.52 183.31 0 1782 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27400 336 7 0.23562805872756934 No 0 6.740 No No
XXXXXX-1845     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-16-2026 685 685                                     685 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.93 36.06 38.46 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.92 19.92 19.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 885.0 411.31 0   HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 190 28 0.7659068464437592 No 0 9.240 No No
XXXXXX-1846     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-17-2026 724 724                                     724 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.15 40.67 41.42 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.32 48.02 48.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 650.37 342.89 0 842 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36249 303 6 0.7824333333333333 No 0 12.740 No No
XXXXXX-1847     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 02-23-2026 842 842     [Redacted] [Redacted] US Citizen 02-23-2026 806 806                     842 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.93 30.12 34.34 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Manual Verification Work Number Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 24.13 52.55 52.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 1264.46 505.45 0 1242 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57023 381 13 0.02510699244658903 No 0 5.990 No No
XXXXXX-1848     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 02-24-2026 816 816     [Redacted] [Redacted] US Citizen 02-24-2026 816 816                     816 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.78 50 47.72 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 28.94 80.09 80.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1706.88 726.01 0 847 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 49426 267 19 0.05417539267015707 No 0 7.240 No No
XXXXXX-1849     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-24-2026 726 726     [Redacted] [Redacted]     793 793                     793 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.41 38.31 36.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 2.49 83.70 83.7 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 172.97 98.97 0 2962 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11900 141 6 0.19648293963254593 No 0 7.740 No No
XXXXXX-1850     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-01-2026 704 704                                     704 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.68 53.35 54.4 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.34 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 866.85 411.08 0 7497.9 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 77082 264 5 0.6955 No 0 9.740 No No
XXXXXX-1851     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 02-19-2026 784 784     [Redacted] [Redacted] US Citizen 02-19-2026 651 651                     784 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.21 23.73 24.58 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 17.58 56.85 56.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 1347.75 538.74 0 1449 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30283 361 21 0.1400192215281115 No 0 5.990 No No
XXXXXX-1852     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-27-2026 782 782                                     782 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.81 32.35 36.09 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.13 39.83 39.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 472.93 189.04 0 1342 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8817 138 10 0.09432632444496653 No 0 5.990 No No
XXXXXX-1853     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-02-2026 685 685                                     685 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.68 31.4 30.57 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 35.59 38.73 38.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 795.9 392.03 0 74.03 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14136 303 18 0.5628005409737528 No 0 10.740 No No
XXXXXX-1854     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-02-2026 799 799     [Redacted] [Redacted] US Citizen 03-02-2026 772 772                     799 [Redacted] [Redacted] UT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.54 41.71 42.67 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.27 82.18 82.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.49 6.49 511.11 209.58 0 3514 HELOC - ARM 360 360 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45000 109 11 0.016058091286307054 No 0 6.490 No No
XXXXXX-1855     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-02-2026 804 804                                     804 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.83 31.98 36.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.24 54.21 54.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 800.85 332.49 0 1272 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12223 234 4 0.0676824034334764 No 0 6.740 No No
XXXXXX-1856     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-03-2026 819 819                                     819 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.77 36.5 38.37 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.33 47.77 47.77 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 1010.1 429.64 0 1820 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 56794 221 19 0.4524881381123878 No 0 7.240 No No
XXXXXX-1857     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-03-2026 745 745     [Redacted] [Redacted] US Citizen 03-03-2026 707 707                     745 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.8 27.4 29.1 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.76 66.27 66.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 1635.25 678.84 0 2898 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 225 6 0.5234878094174577 No 0 6.740 No No
XXXXXX-1858     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-04-2026 775 775                                     775 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 17.44 55 54.9 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.79 8.79 21.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 799.31 379.0 0 646.9 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 224 9 0.16488372093023257 No 0 9.740 No No
XXXXXX-1859     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-04-2026 763 763                                     763 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.77 55 53.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.86 6.86 6.86 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 517.87 228.04 0   HELOC - ARM 360 360 [Redacted] 6.75 No Rounding 0.000 30 Days WSJPrimeRateDaily 1.49             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33000 194 5 0.15853053435114503 No 0 7.990 No No
XXXXXX-1860     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-05-2026 830 830                                     830 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.6 42.63 41.98 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.65 67.98 67.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 216.33 122.85 0 2803 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24100 210 4 0.12292635658914729 No 0 6.990 No No
XXXXXX-1861     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-06-2026 722 722                                     722 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.28 20.21 19.44 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.19 78.84 78.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 319.67 182.41 0 1578 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5389 164 9 0 No 0 7.490 No No
XXXXXX-1862     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-05-2026 717 717                                     717 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.37 25 27.44 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.40 74.76 74.76 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 210.19 210.19 0 2070 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 273 9 0.2470408163265306 No 0 8.740 No No
XXXXXX-1863     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-08-2026 645 645                                     645 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 15.91 20.33 25.12 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 23.05 23.05 23.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 1041.25 553.14 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21440 82 7 0.8761316872427983 No 0 12.990 No No
XXXXXX-1864     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-17-2026 778 778                                     778 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 0.92 37.83 40.01 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.07 70.11 70.11 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 199.68 113.39 0 3874 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 65452 172 39 0.07034177087374513 No 0 6.990 No No
XXXXXX-1865     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-09-2026 645 645     [Redacted] [Redacted] US Citizen 03-09-2026 767 767                     767 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.64 37.09 36.51 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 33.11 52.69 52.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1113.04 1113.04 0 944.16 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17290 163 13 0.5455764075067024 No 0 8.740 No No
XXXXXX-1866     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-11-2026 695 695                                     695 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno   38.84 43.8 [Redacted] Employed Manual Verification Retirement Income Doc Verified Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.80 48.30   [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 584.78 328.82 0   HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17250 177 3 0.9429074889867841 No 0 14.990 No No
XXXXXX-1867     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-11-2026 661 661                                     661 [Redacted] [Redacted] SD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.13 44.4 47.8 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.37 14.37 14.37 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 1041.25 553.25 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 51284 227 18 0.7924027403963788 No 0 12.990 No No
XXXXXX-1868     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-06-2026 765 765                                     765 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.55 53.35 53.15 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.36 12.46 12.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 148.44 148.44 0 417.94 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 9376 261 24 0.15882870428553475 No 0 7.740 No No
XXXXXX-1869     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-12-2026 744 744     [Redacted] [Redacted] US Citizen 03-12-2026 756 756                     756 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation   49.99 53.58 [Redacted] Retired Manual Verification Retirement Income Doc Verified W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Retired Manual Verification Retirement Income Doc Verified N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 29.97 34.88   [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 2412.38 1251.49 0   HELOC - ARM 360 360 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 565 9 0.374871492690755 No 0 12.240 No No
XXXXXX-1870     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-12-2026 692 692     [Redacted] [Redacted] US Citizen 03-12-2026 803 803                     803 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.54 51.46 51.2 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 10.46 34.03 27.52 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1650.56 751.11 0 1462 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7320 399 20 0.7784839924670434 No 0 8.740 No No
XXXXXX-1871     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-12-2026 754 754                                     754 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.89 49.42 53.01 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.81 39.07 39.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 920.96 405.53 0 2604 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19797 216 11 0.30175564959034845 No 0 7.990 No No
XXXXXX-1872     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-13-2026 788 788     [Redacted] [Redacted] US Citizen 03-13-2026 796 796                     796 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.28 22.04 20.91 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 40.00 49.30 49.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 666.22 666.22 0 402 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75   2         [Redacted]   12   No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 31662 272 10 0.09847602739726027 No 0 10.490 No No
XXXXXX-1873     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-13-2026 735 735     [Redacted] [Redacted] US Citizen 03-13-2026 734 734                     735 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.72 12.51 11.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 474.6 474.6 0   HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1 [Redacted] None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 1300 258 4 0.24654088050314465 No 0 6.740 No No
XXXXXX-1874     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-11-2026 791 791                                     791 [Redacted] [Redacted] FL [Redacted] [Redacted] Investment Refinance Cash Out - Other 1.88 12.93 13.79 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.25 70.00 70 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 784.23 371.85 0 1264 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 5 31000 185 5 0.0846049896049896 No 0 9.740 No No
XXXXXX-1875     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-14-2026 816 816                                     816 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.2 31.23 27.91 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.43 22.83 22.83 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 540.04 540.04 0 1042 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45000 434 9 0.128116315799996 No 0 7.240 No No
XXXXXX-1876     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-21-2026 719 719                                     719 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.31 27.53 27.18 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.43 33.40 33.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 168.48 96.9 0 382 HELOC - ARM 180 180 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9904 29 8 0.218 No 0 8.240 No No
XXXXXX-1877     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-21-2026 731 731                                     731 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.98 49.99 49.15 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.26 83.09 83.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 2247.68 1033.84 0 3771 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31000 141 18 0.32580328328890135 No 0 8.990 No No
XXXXXX-1878     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-15-2026 825 825                                     825 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.99 44.15 43.63 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.37 59.28 59.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 94.11 53.31 0 992 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15500 233 7 0.0887627695800227 No 0 6.740 No No
XXXXXX-1879     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-15-2026 802 802                                     802 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.2 24.73 28.48 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.84 56.03 56.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.74 10.74 1202.54 592.33 0 1653 HELOC - ARM 360 360 [Redacted] 4.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27000 404 7 0.294534967555876 No 0 10.740 No No
XXXXXX-1880     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-15-2026 676 676                                     676 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.91 48.56 45.87 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.25 67.93 67.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 989.17 504.7 0 1412 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 102583 232 16 0.4336896197327852 No 0 11.740 No No
XXXXXX-1881     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 02-25-2026 729 729                                     729 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.86 52.69 51.55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 26.03 55.87 55.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 664.67 664.67 0 1203 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted] [Redacted]   No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14262 164 6 0.6294924301688831 No 0 0.0 No No
XXXXXX-1882     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-13-2026 818 818     [Redacted] [Redacted] US Citizen 03-16-2026 801 801                     818 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other   13.19 14.72 [Redacted] Retired Manual Verification Retirement Income Doc Verified IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Retired Manual Verification Retirement Income Doc Verified W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 5.28 5.28   [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 248.65 139.92 0   HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35306 262 6 0.07714821763602252 No 0 5.990 No No
XXXXXX-1883     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-12-2026 729 729                                     729 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.14 49.49 50.77 [Redacted] Employed Manual Verification W2 Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.78 82.95 82.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 348.86 200.1 0 2374 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 77904 139 6 0.30682255211137605 No 0 7.990 No No
XXXXXX-1884     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-16-2026 661 661                                     661 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.02 34.19 30.28 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.52 37.02 37.02 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 946.02 531.94 0 1335 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9700 197 17 0.7432309620808524 No 0 14.990 No No
XXXXXX-1885     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-16-2026 724 724                                     724 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.5 32.73 35.01 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.23 80.99 80.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 898.78 404.62 0 3833 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15920 93 7 0.4749147404319818 No 0 8.490 No No
XXXXXX-1886     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-16-2026 641 641                                     641 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.02 43.11 44.57 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.82 77.10 77.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 584.78 328.82 0 2090 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29375 125 8 0.6441033925686591 No 0 14.990 No No
XXXXXX-1887     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-17-2026 725 725                                     725 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 22.86 49.64 52.93 [Redacted] Employed Manual Verification Tax Return/Transcript IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 32.16 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 2006.07 853.18 0 1728 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26000 143 9 0.4738983050847458 No 0 7.240 No No
XXXXXX-1888     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-17-2026 764 764                                     764 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other   38.55 40.63 [Redacted] Employed Manual Verification W2 IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.06 54.90   [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 805.82 400.53 0   HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29753 232 5 0.004476439790575916 No 0 10.990 No No
XXXXXX-1889     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-16-2026 812 812                                     812 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.58 32.94 32.19 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.32 67.65 67.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 232.07 130.59 0 2268 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23000 98 3 0.09268421052631579 No 0 5.990 No No
XXXXXX-1890     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-17-2026 718 718                                     718 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.15 33.98 35.58 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.83 47.93 47.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 538.65 242.49 0 1289 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57716 144 12 0.19240132150930273 No 0 8.490 No No
XXXXXX-1891     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-16-2026 686 686                                     686 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.75 22.48 20.85 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.66 82.53 82.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 214.66 132.8 0 1124 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14000 284 6 0.45659817351598175 No 0 14.490 No No
XXXXXX-1892     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-17-2026 813 813     [Redacted] [Redacted] US Citizen 03-17-2026 787 787                     813 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.67 16.59 16.61 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 16.57 79.61 79.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1012.8 425.61 0 1890 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 247 27 0.009848675914249684 No 0 6.990 No No
XXXXXX-1893     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-18-2026 762 762     [Redacted] [Redacted] US Citizen 03-18-2026 733 733                     762 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.67 32.14 36.21 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 13.56 48.25 48.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 1044.52 532.95 0 1129 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27000 169 23 0.2344687183326182 No 0 11.740 No No
XXXXXX-1894     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-16-2026 781 781     [Redacted] [Redacted] US Citizen 03-18-2026 767 767                     781 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.5 14.57 16.53 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 10.58 32.78 32.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 994.58 397.53 0 1945 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43300 487 4 0.2677582249426167 No 0 5.990 No No
XXXXXX-1895     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-16-2026 713 713     [Redacted] [Redacted] US Citizen 03-18-2026 646 646                     713 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.74 21.03 21.5 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 4.03 53.05 53.05 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 181.62 103.91 0 1472 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8500 120 9 0.37076498368734456 No 0 7.740 No No
XXXXXX-1896     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-16-2026 830 830                                     830 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.25 23.34 23.19 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.62 31.32 31.32 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 554.39 230.14 0 1789 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 52166 261 8 0.199068833942053 No 0 6.740 No No
XXXXXX-1897     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-18-2026 695 695                                     695 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.6 45.2 45.2 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.73 49.16 49.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 302.18 179.27 0 306.86 HELOC - ARM 180 180 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 23847 217 17 0.323837330552659 No 0 10.990 No No
XXXXXX-1898     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-18-2026 693 693                                     693 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.25 40.31 44.86 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.34 35.78 35.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.35 0 700 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25807 200 28 0.35857071045576405 No 0 14.990 No No
XXXXXX-1899     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-19-2026 800 800     [Redacted] [Redacted] US Citizen 03-19-2026 751 751                     800 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.95 29.74 32.63 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Unknown Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 6.85 67.19 67.19 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 639.39 268.69 0 3032 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13500 233 6 0.24644110275689224 No 0 6.990 No No
XXXXXX-1900     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-19-2026 752 752                                     752 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 22.9 43.39 43.39 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 39.98 78.47 78.47 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 2483.95 1081.4 0 600.19 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21334 203 6 0.19753623188405797 No 0 7.740 No No
XXXXXX-1901     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-20-2026 774 774                                     774 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.56 37.59 40.77 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 23.52 85.36 85.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1582.5 665.01 0 1935 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42901 292 17 0.16808328579577866 No 0 6.990 No No
XXXXXX-1902     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-19-2026 850 850     [Redacted] [Redacted] US Citizen 03-19-2026 833 833                     850 [Redacted] [Redacted] MD [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 1.24 16.96 17.54 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 4.11 78.36 78.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 265.47 149.39 0 2339 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 36650 357 16 0.02764332190772881 No 0 5.990 No No
XXXXXX-1903     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-20-2026 819 819     [Redacted] [Redacted] US Citizen 03-20-2026 763 763                     819 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.95 39.06 42.74 [Redacted] Unknown Stated Stated N/A 2 - Stated, Not Verified Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 13.54 75.18 75.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 742.09 296.61 0 1922 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32594 214 9 0.2638475006667208 No 0 5.990 No No
XXXXXX-1904     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-20-2026 789 789                                     789 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.35 36.3 35.07 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.58 40.98 40.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 367.51 419.57 0 1044 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted] [Redacted]   No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10500 236 8 0.08385861561119293 No 0 6.990 No No
XXXXXX-1905     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-21-2026 717 717                                     717 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.81 16.43 19.81 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.08 16.08 16.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 985.36 480.89 0   HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 144881 189 11 0.2956168869693158 No 0 10.490 No No
XXXXXX-1906     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-21-2026 717 717     [Redacted] [Redacted] US Citizen 03-21-2026 654 654                     717 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 11.94 44.75 49.52 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 18.86 83.66 83.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 1224.02 574.61 0 2154 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 39470 206 6 0.1860689655172414 No 0 9.490 No No
XXXXXX-1907     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-21-2026 663 663                                     663 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.68 48.52 49.32 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.35 71.12 71.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 1041.25 553.14 0 2671 HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30697 139 26 0.29171205176597464 No 0 12.990 No No
XXXXXX-1908     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-12-2026 684 684     [Redacted] [Redacted] US Citizen 03-12-2026 696 696                     696 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.26 50.68 46.08 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 6.42 83.51 83.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 536.5 280.58 0 3192 HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14500 234 11 0.7422342064714946 No 0 12.490 No No
XXXXXX-1909     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-23-2026 775 775                                     775 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.91 38.17 38.44 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 35.08 84.92 84.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 2896.89 1202.59 0 1821 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 90197 245 16 0.21241761013148297 No 0 6.740 No No
XXXXXX-1910     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-23-2026 790 790                                     790 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.03 52.68 51.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.08 79.96 79.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 390.02 222.01 0 2200 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 79707 233 11 0.3210110294117647 No 0 7.240 No No
XXXXXX-1911     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-23-2026 773 773                                     773 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.79 33.86 36.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 38.35 66.97 66.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 6580.0 2864.63 0 2596 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 55658 533 8 0.3492598777541789 No 0 7.740 No No
XXXXXX-1912     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-23-2026 745 745     [Redacted] [Redacted] US Citizen 03-23-2026 730 730                     745 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.04 43.62 40.91 [Redacted] N/A         Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 37.26 84.97 84.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 955.6 955.6 0 963 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21900 310 2 0.574088318864696 No 0 8.740 No No
XXXXXX-1913     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-23-2026 787 787                                     787 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 23.73 36.85 39.68 [Redacted] Employed Manual Verification W2 IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 28.72 80.16 80.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 2273.76 1150.26 0 1696 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 128 2 0.1962 No 0 11.490 No No
XXXXXX-1914     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-23-2026 775 775                                     775 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.99 39.4 39.81 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.63 84.62 84.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.49 6.49 255.56 144.44 0 1423 HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38462 289 12 0.32 No 0 6.490 No No
XXXXXX-1915     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-24-2026 850 850     [Redacted] [Redacted] US Citizen 03-24-2026 802 802                     850 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 17.03 33.63 29.47 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1907.4 801.55 0   HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31987 384 6 0.03272727272727273 No 0 6.990 No No
XXXXXX-1916     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-24-2026 650 650     [Redacted] [Redacted] US Citizen 03-24-2026 736 736                     736 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.5 44.63 45.76 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 3.47 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 201.72 121.83 0 1779 HELOC - ARM 180 180 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33398 128 14 0.8441940085592011 No 0 12.490 No No
XXXXXX-1917     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 726 726                                     726 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.33 45.88 45.88 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.31 80.68 80.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 2498.75 1100.28 0 0 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27888 359 28 0.3057498295951957 No 0 7.990 No No
XXXXXX-1918     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 699 699                                     699 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.93 34.48 38.28 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.78 68.91 68.91 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 376.63 219.59 0 795 HELOC - ARM 180 180 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 4819 263 4 0.46704 No 0 9.490 No No
XXXXXX-1919     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 722 722                                     722 [Redacted] [Redacted] ME [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.49 38.61 41.14 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.74 71.97 71.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 842.97 358.52 0 1468 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 43000 356 13 0.20080825958702064 No 0 7.240 No No
XXXXXX-1920     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-24-2026 736 736     [Redacted] [Redacted] US Citizen                           736 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.83 48.14 52.14 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 6.25 6.25 6.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 202.32 117.3 0   HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 13000 131 10 0.21558229227802464 No 0 8.990 No No
XXXXXX-1921     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 682 682                                     682 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.55 20.23 19.42 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.31 19.31 19.31 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 553.14 553.14 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12857 174 10 0.24885860306643953 No 0 12.990 No No
XXXXXX-1922     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-23-2026 656 656                                     656 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.5 41.92 43.57 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.33 64.17 64.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.24 13.24 884.68 473.56 0 1002 HELOC - ARM 360 360 [Redacted] 6.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted] [Redacted]   Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 54438 137 15 0.553181233933162 No 0 13.240 No No
XXXXXX-1923     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 707 707                                     707 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.42 54.99 53.5 [Redacted] Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 10.11 67.96 67.96 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 787.7 442.92 0 1480 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20456 132 11 0.3248469387755102 No 0 14.990 No No
XXXXXX-1924     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 833 833                                     833 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 11.37 30.49 29.02 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.30 40.3 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 813.55 813.55 0 803.24 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 46300 331 9 0.04927810650887574 No 0 7.740 No No
XXXXXX-1925     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 699 699                                     699 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.87 47.42 45.87 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.33 77.61 77.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 978.75 495.13 0 4015 HELOC - ARM 360 360 [Redacted] 6.75 No Rounding 0.000 30 Days WSJPrimeRateDaily 4.99             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 72589 171 6 0.5901449275362319 No 0 11.490 No No
XXXXXX-1926     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 693 693                                     693 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.23 36.2 39.9 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.95 79.10 79.1 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 112.46 69.99 0 1731 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15575 84 12 0.35414680648236413 No 0 14.990 No No
XXXXXX-1927     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 795 795                                     795 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.56 33.95 29.59 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 39.98 54.57 54.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 2152.36 2152.36 0 816 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 73704 279 19 0.16497928748964374 No 0 8.490 No No
XXXXXX-1928     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 829 829                                     829 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.4 40.81 37.11 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.09 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 977.96 977.96 0 2952 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32829 169 8 0.026271626297577854 No 0 8.240 No No
XXXXXX-1929     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-25-2026 737 737     [Redacted] [Redacted] US Citizen 03-25-2026 802 802                     802 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.43 30.38 33.48 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 20.06 84.21 84.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 2330.68 1002.99 0 2210 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 54370 309 24 0.20412176724137931 No 0 7.490 No No
XXXXXX-1930     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 760 760                                     760 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.09 19.31 20.9 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.14 88.87 88.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 664.65 279.3 0 3224 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24000 370 8 0.20072137060414788 No 0 6.990 No No
XXXXXX-1931     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 810 810                                     810 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.04 44.12 43.34 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.00 86.09 86.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 212.73 121.1 0 2759 HELOC - ARM 180 180 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 169 5 0.02350453172205438 No 0 7.240 No No
XXXXXX-1932     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 806 806                                     806 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.3 3.12 7.51 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.09 8.54 8.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 186.56 186.56 0 317 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 450 8 0.49469035532994926 No 0 5.990 No No
XXXXXX-1933     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 686 686                                     686 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.25 32.96 36.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 35.46 35.46 35.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 1041.25 553.14 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 12059 186 5 0.8303448275862069 No 0 12.990 No No
XXXXXX-1934     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-26-2026 811 811                                     811 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.63 46.23 49.83 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.07 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 875.98 381.36 0 4236 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47500 214 14 0.021311325080238423 No 0 7.740 No No
XXXXXX-1935     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-26-2026 642 642                                     642 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.93 44.66 41.24 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.40 49.67 49.67 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 112.46 69.99 0 1688 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14325 262 7 0.5953271028037384 No 0 14.990 No No
XXXXXX-1936     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-26-2026 752 752                                     752 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.15 51.3 46.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.45 84.06 84.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 478.26 226.77 0 2737 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31500 2 8 0.27923766816143497 No 0 9.740 No No
XXXXXX-1937     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-26-2026 802 802     [Redacted] [Redacted] US Citizen 03-26-2026 820 820                     820 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.49 41.74 45.38 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 11.87 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1093.94 492.48 0 2448 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 94803 212 13 0.024818993888105313 No 0 8.490 No No
XXXXXX-1938     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-27-2026 788 788                                     788 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.81 29.54 31.57 [Redacted] Employed Work Number Work Number Paystub 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.58 75.07 75.07 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 396.39 158.44 0 1052 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 37676 271 14 0.09549900199600798 No 0 5.990 No No
XXXXXX-1939     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-10-2026 727 727                                     727 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.86 23.77 25.49 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 14.52 47.22 47.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 487.21 235.54 0 765 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 6700 341 5 0.28722627737226275 No 0 10.240 No No
XXXXXX-1940     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-27-2026 721 721                                     721 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 1.77 28.5 24.94 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.13 51.21 51.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 295.61 174.35 0 1744 HELOC - ARM 180 180 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27551 440 25 0.3963231749772374 No 0 10.490 No No
XXXXXX-1941     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-27-2026 770 770                                     770 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.92 19.91 25 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.20 21.55 21.55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 381.25 152.39 0 341.56 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 24500 501 6 0.15506268081002894 No 0 5.990 No No
XXXXXX-1942     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-27-2026 792 792     [Redacted] [Redacted] US Citizen 03-27-2026 757 757                     792 [Redacted] [Redacted] DE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.42 45.06 46.88 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.42 47.13 47.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 799.16 323.55 0 2808 HELOC - ARM 360 360 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 355 6 0.2794954721862872 No 0 6.240 No No
XXXXXX-1943     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-28-2026 647 647                                     647 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.07 22.47 24.07 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.51 8.51 8.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 299.34 181.89 0   HELOC - ARM 180 180 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8000 386 15 0.5755214050493963 No 0 12.990 No No
XXXXXX-1944     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-28-2026 697 697                                     697 [Redacted] [Redacted] KS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.6 19.58 21.54 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.53 13.53 13.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 506.36 237.7 0   HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 14780 372 3 0 No 0 9.490 No No
XXXXXX-1945     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-28-2026 749 749                                     749 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 16.36 55 53.12 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 24.22 68.46 68.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 1007.54 509.7 0 910 HELOC - ARM 360 360 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 58897 368 13 0.32704188481675395 No 0 11.490 No No
XXXXXX-1946     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-28-2026 774 774                                     774 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.89 31.99 34.75 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.11 67.38 67.38 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 441.4 176.43 0 1678 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15000 243 12 0.07541740674955595 No 0 5.990 No No
XXXXXX-1947     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-29-2026 850 850     [Redacted] [Redacted] US Citizen 03-29-2026 829 829                     850 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.69 53.13 49.82 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.35 49.24 49.24 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.64 0 1528 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 375 20 0.04859799815432669 No 0 6.990 No No
XXXXXX-1948     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-02-2026 754 754                                     754 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.69 24.16 22.98 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 8.66 8.66 8.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 324.62 184.33 0   HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20000 203 8 0.1653386911595867 No 0 6.990 No No
XXXXXX-1949     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-29-2026 725 725                                     725 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.94 37.78 42.34 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.07 7.07 49.75 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 446.55 446.55 0 2347.22 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44939 405 14 0.6132798974502538 No 0 8.490 No No
XXXXXX-1950     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.41 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-29-2026 759 759                                     759 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 15.76 44.41 41.5 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 34.07 84.93 84.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.49 10.49 1161.6 1161.6 0 1117 HELOC - ARM 360 360 [Redacted] 3.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 29388 405 9 0.14470149253731343 No 0 10.490 No No
XXXXXX-1951     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-27-2026 651 651                                     651 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.38 30.9 26.96 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.33 79.53 79.53 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.74 11.74 989.17 504.77 0 2076 HELOC - ARM 360 360 [Redacted] 5.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 68069 176 22 0.33751776883496504 No 0 11.740 No No
XXXXXX-1952     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-14-2026 687 687                                     687 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.27 23.64 26.11 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.31 63.51 63.51 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 592.7 333.27 0 889 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 5500 144 8 0.6687315634218289 No 0 14.990 No No
XXXXXX-1953     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-29-2026 709 709                                     709 [Redacted] [Redacted] CT [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 8.76 17.6 21.65 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.93 55.27 55.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 2249.17 1264.69 0 2081.77 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 97305 223 29 0.035337479843354065 No 0 14.990 No No
XXXXXX-1954     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-24-2026 783 783     [Redacted] [Redacted] US Citizen 03-24-2026 797 797                     797 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 11.51 30.74 27.49 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 28.61 54.85 54.85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 784.6 784.6 0 704 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28000 465 7 0.14732403718459494 No 0 6.740 No No
XXXXXX-1955     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-30-2026 786 786                                     786 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.54 30.08 30.43 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.00 41.64 41.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.24 6.24 134.46 75.82 0 1219 HELOC - ARM 180 180 [Redacted] -0.26 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32500 311 15 0.15823529411764706 No 0 6.240 No No
XXXXXX-1956     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-30-2026 808 808                                     808 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 9.21 41.35 38.62 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 30.67 46.78 46.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 551.74 220.53 0 605 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20443 215 10 0.03491970802919708 No 0 5.990 No No
XXXXXX-1957     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 779 779                                     779 [Redacted] [Redacted] MS [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.67 34.64 32.27 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.20 56.66 56.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 349.64 349.64 0 2713.09 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 57964 261 6 0.09452970297029703 No 0 6.990 No No
XXXXXX-1958     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-30-2026 796 796                                     796 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.49 22.2 23.34 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.44 47.25 47.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 470.78 221.0 0 1193 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 144 13 0.05577944751031266 No 0 9.490 No No
XXXXXX-1959     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-30-2026 820 820                                     820 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 12.24 51.56 54.55 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.76 78.64 78.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 2355.04 1013.47 0 2709 HELOC - ARM 360 360 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 51595 280 7 0.3063251077882763 No 0 7.490 No No
XXXXXX-1960     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 733 733                                     733 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.76 47.7 49.82 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 17.68 17.68 17.68 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 744.48 345.95 0   HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 3 36056 284 12 0.382225656877898 No 0 9.240 No No
XXXXXX-1961     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 692 692                                     692 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.4 6.11 6.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.46 3.46 3.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 215.28 125.17 0   HELOC - ARM 180 180 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 150000 267 1 0.20192666666666667 No 0 9.240 No No
XXXXXX-1962     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 679 679                                     679 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.22 31.57 32.13 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.27 64.78 64.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 584.78 328.82 0 6265 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 64800 399 6 0.9844081632653061 No 0 14.990 No No
XXXXXX-1963     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 804 804                                     804 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.45 29.91 29.29 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.97 18.61 18.61 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 286.21 162.53 0 1270 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23700 305 24 0.016632973161380273 No 0 6.990 No No
XXXXXX-1964     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 667 667                                     667 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.01 24.53 27.59 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.74 42.64 42.64 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 162.49 100.53 0 1402 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 41526 219 22 0.2159794416540124 No 0 14.490 No No
XXXXXX-1965     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 763 763                                     763 [Redacted] [Redacted] GA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.99 24.21 24 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.16 4.16 4.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 215.49 121.26 0   HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34025 115 5 0.3172558889456919 No 0 5.990 No No
XXXXXX-1966     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-30-2026 819 819                                     819 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.4 31.99 33.84 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.67 25.06 25.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 209.21 117.73 0 1203 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 20000 283 8 0.045821000704721636 No 0 5.990 No No
XXXXXX-1967     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 686 686                                     686 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.45 41.37 45.1 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 0.78 12.23 12.23 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.24 11.24 968.33 485.61 0 6932.52 HELOC - ARM 360 360 [Redacted] 4.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17500 625 3 0.5957692307692307 No 0 11.240 No No
XXXXXX-1968     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 707 707                                     707 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 12.27 44.57 41.14 [Redacted] Employed Manual Verification W2 N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.73 59.87 59.87 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 664.93 664.93 0 1201 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11160 207 1 0 No 0 14.990 No No
XXXXXX-1969     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 708 708                                     708 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.44 54.69 53.72 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.66 78.25 78.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1419.03 797.91 0 1762 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42679 255 8 0.9303351955307263 No 0 14.990 No No
XXXXXX-1970     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 758 758                                     758 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.02 37.68 39.32 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.93 50.94 50.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 155.4 88.04 0 1366 HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 0 176 0 0 No 0 6.740 No No
XXXXXX-1971     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-31-2026 675 675     [Redacted] [Redacted] US Citizen 03-31-2026 648 648                     675 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 4.73 37.19 38.98 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 8.97 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 369.56 230.01 0 885 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34293 117 12 0.6663891432853218 No 0 14.990 No No
XXXXXX-1972     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 710 710                                     710 [Redacted] [Redacted] NM [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.51 21.33 22.76 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 9.67 40.88 40.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 439.53 200.02 0 1036 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8000 217 2 0.6565333333333333 No 0 8.740 No No
XXXXXX-1973     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 785 785                                     785 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 14.41 51.01 52.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 16.20 77.62 77.62 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 832.02 349.64 0 1311 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 213 7 0.27806153846153847 No 0 6.990 No No
XXXXXX-1974     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-24-2026 746 746                                     746 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.48 44.02 47.06 [Redacted] Employed Manual Verification Retirement Income Doc Verified W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.59 67.03 67.03 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 195.65 112.82 0 646 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50000 456 19 0.3717541247607183 No 0 8.490 No No
XXXXXX-1975     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 04-01-2026 659 659     [Redacted] [Redacted] US Citizen 04-01-2026 786 786                     786 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.6 18.74 17.51 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 7.00 51.74 51.74 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 1444.54 599.67 0 2873 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13180 338 10 0.1700091021681066 No 0 6.740 No No
XXXXXX-1976     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-01-2026 728 728                                     728 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 16.27 49.49 51.27 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 20.65 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 1135.86 516.89 0 1652 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27692 285 36 0.10867550759853384 No 0 8.740 No No
XXXXXX-1977     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-01-2026 774 774                                     774 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 16.79 17.47 18.32 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.20 7.20 7.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 236.46 133.06 0   HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 260 8 0.031629955947136565 No 0 5.990 No No
XXXXXX-1978     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-27-2026 821 821                                     821 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.03 13.75 13.72 [Redacted] Employed Manual Verification Paystub N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.84 57.88 57.88 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 132.61 74.62 0 1138 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27017 221 2 0.10424242424242425 No 0 5.990 No No
XXXXXX-1979     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-01-2026 664 664                                     664 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.7 32.11 34.29 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.99 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1010.8 568.37 0 1585 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7800 181 8 0.6277950310559006 No 0 14.990 No No
XXXXXX-1980     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 712 712                                     712 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 17.74 55 53.02 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 16.11 60.18 60.18 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 1477.93 734.61 0 1693 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28524 228 10 0.24613294846761186 No 0 10.990 No No
XXXXXX-1981     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-09-2026 837 837     [Redacted] [Redacted] US Citizen 03-09-2026 803 803                     837 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 3.65 23.4 25.23 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.78 82.98 82.98 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 973.84 409.24 0 3559 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27000 176 5 0.16874380165289257 No 0 6.990 No No
XXXXXX-1982     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 782 782                                     782 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.72 51.2 54.45 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.79 71.97 71.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.99 10.99 503.64 250.33 0 1491 HELOC - ARM 360 360 [Redacted] 4.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47846 181 16 0.10258178603006189 No 0 10.990 No No
XXXXXX-1983     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-16-2026 710 710                                     710 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 18.89 43.54 43.54 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 18.81 76.36 76.36 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 897.74 404.15 0 819.76 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 348 11 0.08583559168925023 No 0 8.490 No No
XXXXXX-1984     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-18-2026 762 762                                     762 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.95 31.89 34.08 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.62 88.00 88 [Redacted] [Redacted] [Redacted] [Redacted] DSCR HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 418.43 175.84 0 1790 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24164 199 19 0.08176004523123706 No 0 6.990 No No
XXXXXX-1985     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 734 734                                     734 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.88 48.31 50.19 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.23 69.99 69.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 289.04 169.49 0 1439 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15526 169 6 0.14146938775510204 No 0 9.990 No No
XXXXXX-1986     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 730 730                                     730 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.19 36.77 37.69 [Redacted] Employed Manual Verification Paystub W2 or Equivalent 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.44 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 256.78 118.09 0 2223 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 47498 83 20 0.11406950332211789 No 0 8.990 No No
XXXXXX-1987     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-27-2026 847 847                                     847 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.52 40.64 40.32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.87 39.95 39.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 455.63 455.63 0 1459 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17400 231 1 0.04741379310344827 No 0 6.990 No No
XXXXXX-1988     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 782 782                                     782 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.92 47.65 49.25 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 6.86 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.24 8.24 533.05 237.36 0 3298 HELOC - ARM 360 360 [Redacted] 1.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 44209 175 14 0.0037313432835820895 No 0 8.240 No No
XXXXXX-1989     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 740 740                                     740 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 26.45 35.15 35.15 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 30.72 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1966.63 856.18 0 439.01 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31893 257 6 0.26008492569002123 No 0 7.740 No No
XXXXXX-1990     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 753 753                                     753 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 10.1 10.07 10.1 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.20 12.20 12.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 157.94 157.94 0   HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 300 190 1 0 No 0 5.990 No No
XXXXXX-1991     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-29-2026 772 772                                     772 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.2 28.4 30.95 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.91 46.97 46.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.74 6.74 495.5 205.7 0 1678 HELOC - ARM 360 360 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11700 504 15 0.11342857142857143 No 0 6.740 No No
XXXXXX-1992     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 04-02-2026 685 685     [Redacted] [Redacted] US Citizen 04-02-2026 729 729                     729 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.77 28.29 30.55 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 12.82 61.84 61.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.24 9.24 929.25 431.81 0 1567 HELOC - ARM 360 360 [Redacted] 2.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26962 247 12 0.48913223140495865 No 0 9.240 No No
XXXXXX-1993     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 793 793                                     793 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.51 39.52 38.48 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.65 52.56 52.56 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 174.05 97.94 0 1598 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 14000 160 4 0.122 No 0 5.990 No No
XXXXXX-1994     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 685 685                                     685 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 5.23 49.72 51.54 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.43 6.43 6.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.49 11.49 226.42 135.13 0   HELOC - ARM 180 180 [Redacted] 4.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 36832 165 6 0.10823607134992293 No 0 11.490 No No
XXXXXX-1995     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-01-2026 779 779                                     779 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 18.26 44.92 44.92 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 28.94 84.63 84.63 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1673.72 703.34 0 355.94 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 45831 61 9 0.018088235294117648 No 0 6.990 No No
XXXXXX-1996     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 716 716                                     716 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 13.66 54.99 52.17 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.14 47.25 47.25 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 432.49 253.6 0 835 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13500 168 7 0.5381085618354785 No 0 9.990 No No
XXXXXX-1997     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 670 670                                     670 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.3 40.24 41.05 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.08 59.41 59.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 118.26 73.6 0 1797 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9227 133 7 0.4572222222222222 No 0 14.990 No No
XXXXXX-1998     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 04-03-2026 681 681     [Redacted] [Redacted] US Citizen 04-03-2026 724 724                     724 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.9 49.89 49.11 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 4.05 64.73 64.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 221.03 126.78 0 1762 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 32984 173 10 0.02578125 No 0 7.990 No No
XXXXXX-1999     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 803 803                                     803 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.37 45.79 43.52 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 13.64 55.00 55 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 630.09 630.09 0 1874 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 34918 271 5 0.23896836313617606 No 0 6.990 No No
XXXXXX-2000     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 716 716                                     716 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.24 51.37 54.97 [Redacted] Unknown Plaid 12 Month Bank Statement Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 4.25 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.99 13.99 326.46 326.46 0 753.19 HELOC - ARM 180 180 [Redacted] 7.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 49000 228 4 1.0047971360381862 No 0 13.990 No No
XXXXXX-2001     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 708 708                                     708 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 21.68 51.18 54.59 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.35 77.09 77.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 1083.94 571.38 0 1199 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 25000 318 25 0.1759279893034509 No 0 12.740 No No
XXXXXX-2002     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 720 720                                     720 [Redacted] [Redacted] NJ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 7.64 28.1 27.94 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.62 77.20 77.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.74 12.74 568.99 568.99 0 2443.51 HELOC - ARM 360 360 [Redacted] 6.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 8500 234 11 0.1372817133443163 No 0 12.740 No No
XXXXXX-2003     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 04-03-2026 828 828     [Redacted] [Redacted] US Citizen 04-03-2026 832 832                     832 [Redacted] [Redacted] AR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.37 13.23 12.64 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 3.92 49.57 49.57 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 149.18 83.95 0 1169 HELOC - ARM 180 180 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7700 214 2 0.04839449541284404 No 0 5.990 No No
XXXXXX-2004     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 721 721                                     721 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.05 10.2 9.66 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.56 43.84 43.84 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 437.92 192.83 0 1213 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Townhouse 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30400 139 7 0.38591290661070304 No 0 7.990 No No
XXXXXX-2005     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 830 830                                     830 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.87 42.05 46.11 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.00 51.90 51.9 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 857.9 377.76 0 1506 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40852 391 23 0.02612518581775627 No 0 7.990 No No
XXXXXX-2006     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 772 772                                     772 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.82 54.6 52.57 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.41 2.41 2.41 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.49 6.49 238.52 134.81 0   HELOC - ARM 180 180 [Redacted] -0.01 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 4000 147 11 0.013941747572815534 No 0 6.490 No No
XXXXXX-2007     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 642 642                                     642 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 3.32 18.95 18.18 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.23 80.00 80 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 263.02 163.7 0 896 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 7000 135 27 0.8567211806940567 No 0 14.990 No No
XXXXXX-2008     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 755 755                                     755 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.38 32.1 33.88 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 11.75 82.40 82.4 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 377.6 214.42 0 1316 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24304 366 9 0.1830695443645084 No 0 6.990 No No
XXXXXX-2009     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 761 761                                     761 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 6.52 36.63 38.31 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 7.06 57.78 57.78 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 143.64 82.83 0 569 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 9000 203 14 0.06808471454880295 No 0 8.490 No No
XXXXXX-2010     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 667 667                                     667 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.23 35.4 35.08 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 3.01 65.21 65.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 13.49 13.49 335.04 204.81 0 2987 HELOC - ARM 180 180 [Redacted] 6.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 38248 159 10 0.3158674463937622 No 0 13.490 No No
XXXXXX-2011     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 850 850                                     850 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 10.96 25.33 29.68 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 36.01 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 2191.22 953.96 0 1259 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 35000 470 14 0.03178888888888889 No 0 7.740 No No
XXXXXX-2012     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 667 667                                     667 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.73 47.71 45.75 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.85 69.80 69.8 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 1124.58 632.35 0 1540 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27501 309 21 0.8247560635628659 No 0 14.990 No No
XXXXXX-2013     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 714 714                                     714 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 7.06 40.52 40.46 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.90 54.20 54.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 487.21 235.54 0 2207 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40500 376 8 0.537860696517413 No 0 10.240 No No
XXXXXX-2014     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 714 714                                     714 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.72 55 50.15 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.04 54.73 54.73 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 382.59 223.7 0 856 HELOC - ARM 180 180 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15720 211 18 0.22762020693852708 No 0 9.740 No No
XXXXXX-2015     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 04-05-2026 764 764     [Redacted] [Redacted] US Citizen 04-05-2026 744 744                     764 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 5.12 43.78 45.57 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Manual Verification Paystub Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         [Redacted] No Escrow [Redacted] 8.56 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 652.73 277.61 0 3219 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 35000 220 25 0.04810710987996306 No 0 7.240 No No
XXXXXX-2016     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-18-2026 709 709                                     709 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.27 31.05 32.94 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 12.81 60.27 60.27 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 545.22 248.11 0 712 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 125000 397 9 0.7438351893095768 No 0 8.740 No No
XXXXXX-2017     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-05-2026 668 668                                     668 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 9.11 33.02 29.35 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 14.44 75.13 75.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 759.48 427.05 0 991 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 24481 204 6 0.9285 No 0 14.990 No No
XXXXXX-2018     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-05-2026 753 753                                     753 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.5 54.99 51.59 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 20.30 76.43 76.43 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 313.86 313.86 0 1082 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 33267 137 13 0 No 0 7.240 No No
XXXXXX-2019     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-06-2026 648 648                                     648 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 2.98 25.46 25.46 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.07 72.94 72.94 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 449.83 279.97 0 1675.69 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 21958 184 20 0.4264873417721519 No 0 14.990 No No
XXXXXX-2020     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-30-2026 742 742                                     742 [Redacted] [Redacted] IL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.31 43.5 42.77 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.99 1.99 1.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 81.21 46.34 0   HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 17967 261 10 0.2250042509777249 No 0 7.490 No No
XXXXXX-2021     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 688 688                                     688 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 13.1 19.68 23.97 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 21.54 74.59 74.59 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 709.52 398.96 0 455 HELOC - ARM 360 360 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 17603 247 16 0.3169517293804637 No 0 14.990 No No
XXXXXX-2022     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-06-2026 677 677                                     677 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.71 42.95 43.93 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.47 64.48 64.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 203.09 122.66 0 1503 HELOC - ARM 180 180 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 103672 464 17 0.37293464858199754 No 0 12.490 No No
XXXXXX-2023     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 753 753                                     753 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.87 14.16 17.99 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 11.04 11.04 11.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 665.62 279.71 0   HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 12964 125 3 0 No 0 6.990 No No
XXXXXX-2024     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-23-2026 760 760                                     760 [Redacted] [Redacted] IN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.07 41.94 41.42 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 3.79 45.01 45.01 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 166.4 94.5 0 925 HELOC - ARM 180 180 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 42162 335 7 0.38122699386503067 No 0 6.990 No No
XXXXXX-2025     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-06-2026 708 708                                     708 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.5 50.33 49.41 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.59 57.22 57.22 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 239.05 137.84 0 2566 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 53399 335 8 0.6179037800687285 No 0 8.490 No No
XXXXXX-2026     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 706 706                                     706 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 20.28 26.32 26.32 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 30.37 85.04 85.04 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 1014.21 446.59 0 0 HELOC - ARM 360 360 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10200 140 8 0.019458823529411765 No 0 7.990 No No
XXXXXX-2027     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-19-2026 749 749                                     749 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10 33.36 28.53 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 31.27 84.93 84.93 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 1916.43 834.32 0 1498 HELOC - ARM 360 360 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48286 403 17 0.3229363089824079 No 0 7.740 No No
XXXXXX-2028     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-15-2026 708 708                                     708 [Redacted] [Redacted] OH [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 12.81 46.11 46.58 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.54 52.97 52.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 323.18 186.36 0 438 HELOC - ARM 180 180 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13332 237 9 0.4205065757428154 No 0 8.490 No No
XXXXXX-2029     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-08-2026 774 774                                     774 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.55 52.84 52.13 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.56 57.49 57.49 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1004.24 422.04 0 2021 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted] [Redacted] 2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31109 106 22 0.08850774670443198 No 0 6.990 No No
XXXXXX-2030     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-08-2026 690 690                                     690 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.72 54.38 54.84 [Redacted] Employed Manual Verification Paystub IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 1.59 83.06 83.06 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 151.5 91.24 0 3133 HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 26673 141 24 0.08199599676932261 No 0 12.240 No No
XXXXXX-2031     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-12-2026 696 696                                     696 [Redacted] [Redacted] VA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.13 24.49 24.98 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 1.75 54.58 54.58 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.99 14.99 354.76 220.8 0 3321 HELOC - ARM 180 180 [Redacted] 8.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 11000 237 13 0.29673325499412456 No 0 14.990 No No
XXXXXX-2032     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-10-2026 726 726                                     726 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.62 46.87 43.01 [Redacted] Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 21.86 84.95 84.95 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 1349.2 1349.2 0 3132 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 50628 267 15 0.11256287425149701 No 0 8.490 No No
XXXXXX-2033     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-20-2026 758 758                                     758 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.17 37.34 36.82 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 5.99 5.99 5.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 249.61 141.74 0   HELOC - ARM 180 180 [Redacted] 0.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 39629 339 14 0.07627450980392157 No 0 6.990 No No
XXXXXX-2034     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-12-2026 709 709                                     709 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 8.45 14.44 18.4 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.17 7.17 7.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.99 12.99 591.24 314.09 0   HELOC - ARM 360 360 [Redacted] 6.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.5             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 28561 257 9 0.04492099322799097 No 0 12.990 No No
XXXXXX-2035     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-28-2026 690 690                                     690 [Redacted] [Redacted] WV [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.94 53.59 50.72 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 9.29 83.48 83.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 11.99 11.99 525.54 270.45 0 1118 HELOC - ARM 360 360 [Redacted] 5.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 63295 98 8 0.2768167701863354 No 0 11.990 No No
XXXXXX-2036     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 04-12-2026 829 829     [Redacted] [Redacted] US Citizen 04-12-2026 768 768                     829 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.96 17.99 22.69 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Work Number Work Number N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 5.43 72.54 72.54 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 5.99 5.99 157.52 157.52 0 2026 HELOC - ARM 360 360 [Redacted] -0.51 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 31682 318 9 0.07342958496956249 No 0 5.990 No No
XXXXXX-2037     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-15-2026 670 670                                     670 [Redacted] [Redacted] CO [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 6.88 40.3 41.31 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 5.66 5.66 5.66 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 858.39 448.99 0   HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 20000 194 11 0.39788187372708755 No 0 12.490 No No
XXXXXX-2038     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-05-2026 742 742                                     742 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.52 32.92 31.76 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 17.23 89.00 89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.74 9.74 990.98 469.94 0 1673 HELOC - ARM 360 360 [Redacted] 3.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30767 201 11 0.14386969397828234 No 0 9.740 No No
XXXXXX-2039     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-29-2026 669 669                                     669 [Redacted] [Redacted] AZ [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.25 42.2 43.76 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.75 40.48 40.48 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.24 12.24 290.05 174.69 0 1466 HELOC - ARM 180 180 [Redacted] 5.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 22500 307 18 0.34517666392769103 No 0 12.240 No No
XXXXXX-2040     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-01-2026 747 747                                     747 [Redacted] [Redacted] FL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 0.33 17.97 18.03 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 0.85 34.16 34.16 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.49 7.49 81.21 46.35 0 1912 HELOC - ARM 180 180 [Redacted] 0.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 101818 315 14 0.15202416918429004 No 0 7.490 No No
XXXXXX-2041     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-11-2026 646 646                                     646 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 9.02 40.1 38.38 [Redacted] Employed Manual Verification Paystub Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 21.79 31.99 31.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 928.5 515.24 0 867 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13137 133 9 0.9526896551724138 No 0 14.490 No No
XXXXXX-2042     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 03-28-2026 745 745     [Redacted] [Redacted] US Citizen 04-18-2026 755 755                     755 [Redacted] [Redacted] AL [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 5.36 54.87 54.24 [Redacted] Unknown Plaid 12 Month Bank Statement Tax Return 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent Employed Stated Stated N/A 2 - Stated, Not Verified N/A         [Redacted] No Escrow [Redacted] 16.57 25.99 25.99 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 911.09 414.65 0 191 HELOC - ARM 360 360 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 40000 431 18 0.37029668411867367 No 0 8.740 No No
XXXXXX-2043     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-18-2026 725 725                                     725 [Redacted] [Redacted] PA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.9 45.51 45.51 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 35.36 84.92 84.92 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.49 8.49 3278.4 1476.05 0 5857.82 HELOC - ARM 360 360 [Redacted] 1.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 27140 294 29 0.20307036713286714 No 0 8.490 No No
XXXXXX-2044     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-19-2026 694 694                                     694 [Redacted] [Redacted] MI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.67 15.49 25.2 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.42 61.08 61.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.49 9.49 420.4 420.4 0 1607 HELOC - ARM 360 360 [Redacted] 2.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 60700 107 17 0.441906282727942 No 0 9.490 No No
XXXXXX-2045     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-04-2026 693 693                                     693 [Redacted] [Redacted] OR [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.67 26.96 25.64 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.83 21.81 21.81 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 289.04 169.51 0 1056.36 HELOC - ARM 180 180 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13132 243 18 0.22506531427693252 No 0 9.990 No No
XXXXXX-2046     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-19-2026 832 832                                     832 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.17 35.23 35.23 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 8.96 44.26 44.26 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 792.48 333.05 0 222.3 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     Yes [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 26000 281 20 0.0018216139688532326 No 0 6.990 No No
XXXXXX-2047     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-09-2026 695 695                                     695 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.5 27.07 31.48 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 19.13 19.13 19.13 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 874.58 402.26 0   HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 31583 202 6 0.9325490196078431 No 0 8.990 No No
XXXXXX-2048     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-30-2026 731 731                                     731 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 3.9 47.33 48.23 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 2.12 20.12 20.12 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 10.24 10.24 487.21 235.57 0 1113 HELOC - ARM 360 360 [Redacted] 3.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 52500 552 8 0.5974572127139365 No 0 10.240 No No
XXXXXX-2049     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-25-2026 755 755                                     755 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.38 54.79 50.63 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 15.69 78.89 78.89 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.74 7.74 397.84 227.63 0 680 HELOC - ARM 180 180 [Redacted] 1.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 13674 128 19 0.13772143105244877 No 0 7.740 No No
XXXXXX-2050     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-18-2026 680 680                                     680 [Redacted] [Redacted] TN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 8.02 21.26 25.41 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 15.43 56.46 56.46 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 874.58 402.26 0 955 HELOC - ARM 360 360 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 19375 149 16 0.33156907477820025 No 0 8.990 No No
XXXXXX-2051     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-12-2026 774 774                                     774 [Redacted] [Redacted] NE [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 13.26 44.39 47.68 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 23.87 82.09 82.09 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1664.03 699.33 0 2029 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 30643 377 17 0.27035714285714285 No 0 6.990 No No
XXXXXX-2052     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-25-2026 682 682                                     682 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.68 34.19 39.01 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 12.70 41.17 41.17 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 9.99 9.99 578.08 276.83 0 760 HELOC - ARM 360 360 [Redacted] 3.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 13625 304 21 0.350581476810985 No 0 9.990 No No
XXXXXX-2053     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-27-2026 825 825                                     825 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 7.3 42.38 46.42 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 6.15 54.08 54.08 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 791.25 332.53 0 2634 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 48391 237 10 0.025975866786634293 No 0 6.990 No No
XXXXXX-2054     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 03-31-2026 720 720                                     720 [Redacted] [Redacted] WI [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.07 14.5 14.5 [Redacted] Employed Manual Verification Work Number IRS Transcript 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 7.55 46.97 46.97 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.99 7.99 262.75 150.72 0 492.35 HELOC - ARM 180 180 [Redacted] 1.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 10461 293 17 0.1488885021968939 No 0 7.990 No No
XXXXXX-2055     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-28-2026 777 777                                     777 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.18 38.74 37.92 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 26.77 85.00 85 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 1110.36 1110.36 0 3087 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 53959 183 12 0.13712996389891696 No 0 6.990 No No
XXXXXX-2056     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.38 09-01-2025   2 [Redacted] [Redacted] US Citizen 04-29-2026 729 729     [Redacted] [Redacted] US Citizen 04-29-2026 807 807                     807 [Redacted] [Redacted] KY [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 1.56 51.94 52.34 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 2.74 5.20 5.2 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.74 8.74 181.74 105.09 0 32 HELOC - ARM 180 180 [Redacted] 2.24 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 51563 262 26 0.05049634019950771 No 0 8.740 No No
XXXXXX-2057     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-25-2026 734 734                                     734 [Redacted] [Redacted] MN [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 10.14 44.15 41.82 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 40.00 40.00 40 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 12.49 12.49 610.7 610.7 0   HELOC - ARM 360 360 [Redacted] 5.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   1   None ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 31257 61 9 0.1987648456057007 No 0 12.490 No No
XXXXXX-2058     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-03-2026 727 727                                     727 [Redacted] [Redacted] OK [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 4.09 28.56 30.5 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 10.50 50.69 50.69 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 7.24 7.24 422.59 179.75 0 1001 HELOC - ARM 360 360 [Redacted] 0.74 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 15300 155 37 0.18457382545780335 No 0 7.240 No No
XXXXXX-2059     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.47 09-01-2025   2 [Redacted] [Redacted] US Citizen 05-01-2026 737 737     [Redacted] [Redacted] US Citizen 05-01-2026 744 744                     744 [Redacted] [Redacted] NC [Redacted] [Redacted] Primary Residence Refinance Cash Out - Home Improvement/Reno 2.27 34.03 31.62 [Redacted] Employed Manual Verification Tax Return/Transcript N/A 3 - Stated, Partially Verified Employed Stated Stated N/A 3 - Stated, Partially Verified N/A         [Redacted] No Escrow [Redacted] 7.36 77.28 77.28 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 6.99 6.99 349.67 349.67 0 4991.39 HELOC - ARM 360 360 [Redacted] 0.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 103481 266 5 0.35052060737527113 No 0 6.990 No No
XXXXXX-2060     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 05-01-2026 717 717                                     717 [Redacted] [Redacted] WA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Debt Consolidation 4.1 17.8 19.36 [Redacted] Unknown Plaid 12 Month Bank Statement N/A 3 - Stated, Partially Verified N/A         N/A         [Redacted] No Escrow [Redacted] 4.09 57.21 57.21 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 232.12 143.64 0 865 HELOC - ARM 180 180 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 2 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 10000 137 5 0.21295774647887325 No 0 14.490 No No
XXXXXX-2061     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.39 09-01-2025   1 [Redacted] [Redacted] US Citizen 04-02-2026 713 713                                     713 [Redacted] [Redacted] CA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 2.62 31.1 30.58 [Redacted] Employed Work Number Work Number Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 2.42 34.65 34.65 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 8.99 8.99 349.83 202.85 0 2338 HELOC - ARM 180 180 [Redacted] 2.49 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Condominium 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 1 23000 202 20 0.22671601090767432 No 0 8.990 No No
XXXXXX-2062     [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] v1.49 09-01-2025   1 [Redacted] [Redacted] US Citizen 05-02-2026 680 680                                     680 [Redacted] [Redacted] LA [Redacted] [Redacted] Primary Residence Refinance Cash Out - Other 6.44 39.67 41.03 [Redacted] Employed Manual Verification Tax Return/Transcript Work Number 4 – Verified, 1 YR W2 Equivalent or Tax Return + Paystub Equivalent N/A         N/A         [Redacted] No Escrow [Redacted] 13.70 42.39 42.39 [Redacted] [Redacted] [Redacted] [Redacted] Other HELOC - ARM Aven Conduit Product Underwriting Guidelines V1.7 14.49 14.49 573.95 318.49 0 477 HELOC - ARM 360 360 [Redacted] 7.99 No Rounding 0.000 30 Days WSJPrimeRateDaily 6.75             [Redacted]       No 0 No No No 0 No Prepayment Penalty Retail Single Family Detached 1 [Redacted] AVM [Redacted] [Redacted] AVM [Redacted]   [Redacted]     No [Redacted]   2 [Redacted] 1st ATR/QM: Exempt ATR/QM: Exempt 0.0 [Redacted] 2 60670 241 31 0.1870016606031412 No 0 14.490 No No