Rating Agency Grades
         
Run Date - 11/2/2026 4:07:22 PM
       

LOAN INFORMATION
    
INITIAL CREDIT LOAN GRADES
 
INITIAL COMPLIANCE LOAN GRADES
INITIAL PROPERTY LOAN GRADES
 
INITIAL OVERALL LOAN GRADES
 
FINAL CREDIT LOAN GRADES
 
FINAL COMPLIANCE LOAN GRADES
 
FINAL PROPERTY LOAN GRADES
 
FINAL OVERALL LOAN GRADES
 
AMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Deal Number
Original Loan Amount
MDBRS
Fitch
Kroll
Moody's
S&P
MDBRS
Fitch
Kroll
Moody's
S&P
MDBRS
Fitch
Kroll
Moody's
S&P
MDBRS
Fitch
Kroll
Moody's
S&P
MDBRS
Fitch
Kroll
Moody's
S&P
MDBRS
Fitch
Kroll
Moody's
S&P
MDBRS
Fitch
Kroll
Moody's
S&P
MDBRS
Fitch
Kroll
Moody's
S&P
XXXX
10
XXXX
     
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
20
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
30
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
40
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
50
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
60
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
70
XXXX
     
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
80
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
90
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
100
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
110
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
120
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
130
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
140
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
150
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
160
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
170
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
180
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
190
XXXX
     
C
C
C
C
C
B
B
B
B
B
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
200
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
210
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
220
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
230
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
240
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
250
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
260
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
270
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
280
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
290
XXXX
     
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
300
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
310
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
320
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
330
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
340
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
350
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
360
XXXX
     
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
370
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
380
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
390
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
400
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
410
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
420
XXXX
     
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
430
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
440
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
450
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
460
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
470
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
480
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
490
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
500
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
510
XXXX
     
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
520
XXXX
     
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
530
XXXX
     
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
XXXX
540
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
550
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
560
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
570
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
580
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
590
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
600
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
610
XXXX
     
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
620
XXXX
     
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
630
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
640
XXXX
     
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
XXXX
650
XXXX
     
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
660
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
670
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
680
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
690
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
700
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
710
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
720
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
730
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
740
XXXX
     
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
750
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
760
XXXX
     
B
B
B
B
B
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
770
XXXX
     
B
B
B
B
B
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
780
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
790
XXXX
     
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
800
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
810
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
820
XXXX
     
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
830
XXXX
     
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
840
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
850
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
860
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
870
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
880
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
890
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
900
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
910
XXXX
     
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
920
XXXX
     
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
930
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
940
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
950
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
960
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
970
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
980
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
990
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1000
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
1010
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1020
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1030
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1040
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1050
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1060
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1070
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1080
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1090
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1100
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1110
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1120
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1130
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
1140
XXXX
     
B
B
B
B
B
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
XXXX
1150
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1160
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1170
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1180
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1190
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1200
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1210
XXXX
     
A
A
A
A
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1220
XXXX
     
B
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1230
XXXX
     
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1240
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1250
XXXX
     
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XXXX
1260
XXXX
     
A
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XXXX
1270
XXXX
     
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1280
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XXXX
1290
XXXX
     
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1300
XXXX
     
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XXXX
1310
XXXX
     
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1320
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1330
XXXX
     
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XXXX
1340
XXXX
     
B
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XXXX
1350
XXXX
     
A
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XXXX
1360
XXXX
     
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1370
XXXX
     
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XXXX
1380
XXXX
     
B
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A
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A
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XXXX
1390
XXXX
     
B
B
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A
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XXXX
1400
XXXX
     
A
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1410
XXXX
     
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XXXX
1420
XXXX
     
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XXXX
1430
XXXX
     
B
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XXXX
1440
XXXX
     
C
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XXXX
1450
XXXX
     
B
B
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A
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A
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XXXX
1460
XXXX
     
B
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A
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A
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XXXX
1470
XXXX
     
B
B
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C
C
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A
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XXXX
1480
XXXX
     
B
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XXXX
1490
XXXX
     
A
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C
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A
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A
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XXXX
1500
XXXX
     
A
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1510
XXXX
     
A
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1520
XXXX
     
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1530
XXXX
     
A
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1540
XXXX
     
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XXXX
1550
XXXX
     
B
B
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C
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A
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B
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XXXX
1560
XXXX
     
A
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XXXX
1570
XXXX
     
A
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XXXX
1580
XXXX
     
B
B
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A
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B
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B
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B
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B
B
B
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XXXX
1590
XXXX
     
C
C
C
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C
C
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A
A
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C
C
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A
A
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A
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A
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XXXX
1600
XXXX
     
A
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XXXX
1610
XXXX
     
A
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C
C
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A
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XXXX
1620
XXXX
     
C
C
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A
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A
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XXXX
1630
XXXX
     
A
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XXXX
1640
XXXX
     
A
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XXXX
1650
XXXX
     
D
D
D
D
D
A
A
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D
D
D
D
D
A
A
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XXXX
1660
XXXX
     
A
A
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XXXX
1670
XXXX
     
A
A
A
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C
C
C
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A
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C
C
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C
A
A
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XXXX
1680
XXXX
     
C
C
C
C
C
C
C
C
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C
A
A
A
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C
C
C
C
C
A
A
A
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A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
XXXX
1690
XXXX
     
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
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XXXX
1700
XXXX
     
A
A
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XXXX
1710
XXXX
     
A
A
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XXXX
1720
XXXX
     
A
A
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XXXX
1730
XXXX
     
A
A
A
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XXXX
1740
XXXX
     
A
A
A
A
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A
A
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D
D
D
D
D
D
D
D
D
D
A
A
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A
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XXXX
1750
XXXX
     
A
A
A
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A
A
A
A
A
A
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XXXX
1760
XXXX
     
C
C
C
C
C
A
A
A
A
A
A
A
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A
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C
C
C
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A
A
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A
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A
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XXXX
1770
XXXX
     
A
A
A
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XXXX
1780
XXXX
     
C
C
C
C
C
A
A
A
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C
C
C
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A
A
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A
A
A
A
A
A
A
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XXXX
1790
XXXX
     
C
C
C
C
C
A
A
A
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A
A
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C
C
C
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A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
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XXXX
1800
XXXX
     
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
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A
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B
B
B
B
A
A
A
A
A
B
B
B
B
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XXXX
1810
XXXX
     
A
A
A
A
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C
C
C
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A
A
A
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C
C
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A
A
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A
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A
A
A
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A
A
A
A
A
A
A
A
XXXX
1820
XXXX
     
B
B
B
B
B
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
XXXX
1830
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1840
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1850
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1860
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1870
XXXX
     
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXXX
1880
XXXX
     
B
B
B
B
B
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
XXXX
1890
XXXX
     
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A




Exception Grades
       
Run Date - 11/2/2026 4:07:23 PM
     

SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Loan Exception ID
Exception ID
Exception Date
Exception Type
Exception Category
Exception Subcategory
15E Category
Exception
Exception Detail
Exception Information
Compensating Factors
Compensating Factor Information
Applying Party
Follow-up Comments
Cleared Date
Cured Date
Waived Date
Waived with Regrade
Exception Level Grade
DBRS Initial Exception Rating
DBRS Final Exception Rating
Fitch Initial Exception Rating
Fitch Final Exception Rating
Kroll Initial Exception Rating
Kroll Final Exception Rating
Moody's Initial Exception Rating
Moody's Final Exception Rating
S&P Initial Exception Rating
S&P Final Exception Rating
Note Date
Property State
Occupancy
Purpose
Exception Remediation
Overall
Initial Loan Grade
Overall
Final Loan Grade
Credit
Initial Loan Grade
Credit
Final Loan Grade
Compliance
Initial Loan Grade
Compliance
Final Loan Grade
Property
Initial Loan Grade
Property
Final Loan Grade
Originator QM ATR Status
TPR QM ATR Status
Is Curable
XXXX
10
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received proof of earlier electronic receipt.


Buyer Comment (XXXX/XX/XX): Please see the screen shot from our internal UW System confirming receipt of the [redacted] LE on [redacted] Please note Website FYI denotes it was received electronically
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
No Defined Cure
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
10
XXXX
 
XXXX
   
Credit
Asset
Asset Calculation / Analysis
Asset
Available for Closing is insufficient to cover Cash From Borrower.
 
Documented qualifying assets for closing of $[redacted] is less than cash from borrower $[redacted]. Funds to close were insufficient due to balance. Please provide additional assets for review.
     
Reviewer Comment (XXXX/XX/XX): Received Settlement Statement for sold property.  Condition cleared.


Buyer Comment (XXXX/XX/XX): Please see the final settlement statement attached for the sale of [redacted]
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
10
XXXX
 
XXXX
   
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: PITIA reserves months discrepancy.
         
Reviewer Comment (XXXX/XX/XX): Settlement statement received from proceeds from REO.  Condition cleared.


Buyer Comment (XXXX/XX/XX): Please clear this based upon responses to the other exceptions
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
10
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared.
     
Reviewer Comment (XXXX/XX/XX): Settlement statement received from proceeds from REO.  Condition cleared.


Buyer Comment (XXXX/XX/XX): Please clear this based upon responses to the other exceptions
XX/XX/XXXX
   
No
1
B
A
C
A
B
A
C
A
B
A
 
XX
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
10
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
       
Reviewer Comment (XXXX/XX/XX): Settlement statement received from proceeds from REO.  Condition cleared.


Buyer Comment (XXXX/XX/XX): Please clear this based upon responses to the other exceptions
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
60
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver Test
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least  [redacted] business days prior to closing.
Verification of earlier borrower receipt of the initial Closing Disclosure was missing from the file.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received disclosure tracking for initial CD.


Buyer Comment (XXXX/XX/XX): [redacted]/D[redacted] contains the evidentiary document that confirms receipt  of the CD on [redacted]
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
60
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date  [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
60
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date  [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
70
XXXX
 
XXXX
   
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: [redacted]
 
The file was missing the full secondary valuation required for securitization purposes. Only [redacted] page of [redacted] pages was provided.
     
Reviewer Comment (XXXX/XX/XX): Received CDA document. Exception Cleared.


Buyer Comment (XXXX/XX/XX): Please see attached CDA
XX/XX/XXXX
   
No
1
D
A
D
A
D
A
D
A
D
A
 
XX
Primary
Purchase
 
D
A
A
A
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
90
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of  $[redacted] exceeds tolerance of [redacted].   $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Review Fee was not disclosed on the Loan Estimate but disclosed as  $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.


Buyer Comment (XXXX/XX/XX): Please see the cure redisclosure attached


Reviewer Comment (XXXX/XX/XX): [redacted]  received a valid rebuttal comment. However, the appraisal and SSR report in the loan file were completed on  [redacted], and the CU score exceeded [redacted]. The appraisal review fee was not added until  [redacted], which is outside the required [redacted]-business-day notification period to the borrower. Therefore, a cure is required for the borrower.


Buyer Comment (XXXX/XX/XX): Please see attached CIC for the addition of the $[redacted] appraisal review fee. The CU score was over [redacted] which means a CDA was needed. The attached is a screen shot from our internal underwriting system showing the CIC and confirming when the CIC occurred. Please review to clear this condition.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
100
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted]disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.
             
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Second Home
Refinance - Cash-out - Other
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
120
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
120
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of  $[redacted] exceeds tolerance of $[redacted].  $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Fee was last disclosed as  $[redacted] on the Loan Estimate, but was disclosed as  $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received PCCD, LOE, Copy of Refund Check and Proof of Mailing.


Buyer Comment (XXXX/XX/XX): See attached curing the issue


Reviewer Comment (XXXX/XX/XX): [redacted]  received LOX stating rush request on [redacted] whereas the fee increased on CD dated [redacted]. Kindly provide a valid COC as to why the appraisal fee increased on CD dated [redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.


Buyer Comment (XXXX/XX/XX): See attached CIC for the increase to the appraisal fee.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
140
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of  $[redacted] exceeds tolerance of  $[redacted] plus [redacted]% or $[redacted].    $[redacted]  over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Recording fees. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted]  a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  Received  Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (XXXX/XX/XX): Please see the attached package mailed to the borrower.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
140
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].   $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Loan Discount Points was last disclosed as  $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted] .[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  Discount point fee exception manually cleared as discount point fee increased on unlocked LE is acceptable.


Buyer Comment (XXXX/XX/XX): Please be advised the loan was not locked until the [redacted] LE showing $[redacted] for loan points. This did not increase on the final CD.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
150
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received tracking for revised LE.


Buyer Comment (XXXX/XX/XX): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
150
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received tracking for revised LE.


Buyer Comment (XXXX/XX/XX): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
150
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of  $[redacted] exceeds tolerance of  $[redacted] plus [redacted]% or $[redacted].    $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Recording Fees. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (XXXX/XX/XX): See attached PCCD curing the issue.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
150
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
150
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
150
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
150
XXXX
 
XXXX
   
Compliance
Compliance
State Compliance
Misc. State Level
[redacted] Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely)
[redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.
Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of receipt of the Loan Application.
     
Buyer Comment (XXXX/XX/XX): Seller acknowledges the exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
150
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Loan Estimate Timing
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within  [redacted] business days of application.
Verification of earlier borrower receipt of the initial Loan Estimate was missing from the file.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received rebuttal and disclosure summary suffice


Buyer Comment (XXXX/XX/XX): we did not have the [redacted]th data point which is the address until [redacted] the [redacted] LE was confirmed to be delivered online. We exceeded the requirements of the regulation
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
190
XXXX
 
XXXX
   
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Legal / Regulatory / Compliance
Final Title Policy is missing. No evidence of title in file.
 
Title document is missing in file.
     
Reviewer Comment (XXXX/XX/XX): Received Title Commitment.  Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached title commitment, please note final title policy is a trailing document.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
190
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
190
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
190
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
Missing Required Data (other than HUD-1 or Note)
(Missing Data) Unable to determine if loan is a same lender refi (Circuit [redacted])
Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-[redacted] Form was used and property is in the [redacted] nd, [redacted] th, [redacted] th, [redacted] th, [redacted] th, [redacted] th, or[redacted])
       
Buyer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
200
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Loan Estimate Timing
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within  [redacted] business days of application.
Verification of earlier borrower receipt of the initial Loan Estimate was missing from the file.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received rebuttal suffice.


Buyer Comment (XXXX/XX/XX): The initial Loan Estimate is not required to be received, but delivered within [redacted] days of receipt of TRID application. The evidentiary document on page [redacted] confirms it was delivered on [redacted] which is within [redacted] business days of application. [redacted] was not open for business on [redacted] or [redacted] which by the more general business day rule, neither day should be counted when estimating the [redacted] business days. Please clear this condition as it is invalid.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
200
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of  $[redacted] exceeds tolerance of  $[redacted] plus [redacted]% or $[redacted].   $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the title fees reported in Section B. No valid COC was provided for these increases in fees, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted] , a copy of the Refund Check, Proof of Delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received PCCD and LOE


Buyer Comment (XXXX/XX/XX): [redacted]: Cured loan by moving borrower-chosen fees to borrower-chosen section. Borrower chose this title company and provided us with contact info.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
220
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit [redacted])
Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[redacted] form was used, the H-[redacted] form should have been used.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
260
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
260
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
290
XXXX
 
XXXX
   
Credit
Guideline
Guideline Issue
Guideline
Hazard Insurance Policy expires within [redacted] days of the Note Date or is already expired.
Hazard Insurance Policy Expiration Date ___, Note Date ___
       
Reviewer Comment (XXXX/XX/XX): Evidence of the updated policy was provided.  Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached renewal HOI policy.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Cash-out - Other
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
300
XXXX
 
XXXX
   
Compliance
Compliance
State Compliance
Misc. State Level
Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely)
[redacted] Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within [redacted] business days of application or [redacted] business days prior to closing.
[redacted] Escrow Responsibility Disclosure in the file was provided to the borrower on [redacted].
     
Buyer Comment (XXXX/XX/XX): Seller acknowledges exception, no change in grading
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
350
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of  $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to the addition of the CPL fee in Section B on the CD's. No valid COC was provided for this change, nor evidence of cure. Provide a post-close CD reflecting the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received Post CD and LOX.


Buyer Comment (XXXX/XX/XX): I am uploading the cure package a third time now. Please review the cure package. Thank you.


Reviewer Comment (XXXX/XX/XX): [redacted]  received rebuttal stating redisclosure we previously provided. However, the file contains CD dated [redacted] and [redacted] which has Title- Closing protection letter fee on section B. which are tested at [redacted]% tolerance.  Provider listed on SSPL is [redacted] Close [redacted] Title.  Fees on CD were paid to [redacted] Title.  Appears borrower shopped for title fees.  Corrected CD moving the title fees to Section C and LOE to borrower required to cure.


Buyer Comment (XXXX/XX/XX): The redisclosure we previously provided does exactly that, please review the previously uploaded redisclosure package.


Reviewer Comment (XXXX/XX/XX): [redacted]  Title- Closing protection letter fees were disclosed in Section B which are tested at [redacted]% tolerance.  Provider listed on SSPL is [redacted] Close [redacted] Title.  Fees on CD were paid to [redacted] Title.  Appears borrower shopped for title fees.  Corrected CD moving the title fees to Section C and LOE to borrower required to cure.


Buyer Comment (XXXX/XX/XX): Please see the attached redisclosure package.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
360
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
D
B
A
A
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
360
XXXX
 
XXXX
   
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: [redacted]
         
Reviewer Comment (XXXX/XX/XX): Received CDA document. Exception Cleared.


Buyer Comment (XXXX/XX/XX): Pg [redacted] is the CDA.Please cancel this exception.
XX/XX/XXXX
   
No
1
D
A
D
A
D
A
D
A
D
A
 
XX
Primary
Purchase
 
D
B
A
A
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
360
XXXX
 
XXXX
   
Compliance
Compliance
Miscellaneous Compliance
Compliance
Other Compliance Exception (Manual Add)
 
Please provide the Final Closing Statement from this transaction confirming the buydown. Currently the amount on the seller's closing disclosure reflects $[redacted] as the buydown; actual is $[redacted]. Please provide the final ALTA Settlement Statement for review.
     
Reviewer Comment (XXXX/XX/XX): Settlement Statement provided verifying the seller credit towards buydown is $[redacted].  The remaining $[redacted] of the $[redacted] was towards seller paid costs.  Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see attached settlement statement
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
D
B
A
A
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
390
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
390
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of  $[redacted] exceeds tolerance of [redacted].   $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal  Review Fee was last disclosed as [redacted]on the Loan Estimate, but was disclosed as  $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): Screenshot of clients LOS confirms CIC for review appraisal as fee was added within [redacted] days of client obtaining CU score requiring review appraisal.  Exception cleared


Buyer Comment (XXXX/XX/XX): Please see the attached. We received a CU score above [redacted], which required a CDA and it was added on [redacted] disclosure as a result.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
390
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing Test
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
     
Buyer Comment (XXXX/XX/XX): seller accepts; no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
390
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing Test
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
     
Buyer Comment (XXXX/XX/XX): seller accepts; no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
400
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of [redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as [redacted]on the Loan Estimate, but was disclosed as - $[redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted] .[redacted], a copy of the Refund Check, Proof of Delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received PCCD, LOE, Copy of Refund Check and Proof of Mailing.


Buyer Comment (XXXX/XX/XX): Please see attached curing the issue.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
400
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
[redacted] [redacted] was not present in the file. Evidence of Tax Return Extension was provided.
     
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Second Home
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
410
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
420
XXXX
 
XXXX
   
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
- ___
Please provide either the [redacted] or other documentation requirements per [redacted] for departure residence.
     
Reviewer Comment (XXXX/XX/XX): Per old [redacted] guides prior to [redacted], cancelled check and current lease was required for rental income from departure property.  Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see attached confirmation of security deposit along with first month's rent to satisfy the requirements.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
440
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of  $[redacted] exceeds tolerance of [redacted].   $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of  $[redacted] exceeds tolerance of [redacted].  $[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.


Buyer Comment (XXXX/XX/XX): Please see the attached redisclosure package.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
480
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.


Reviewer Comment (XXXX/XX/XX): [redacted] [redacted] was not present in the file. Evidence of tax return extension was not provided.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
480
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.


Reviewer Comment (XXXX/XX/XX): [redacted] [redacted] was not present in the file. Evidence of tax return extension was not provided.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
480
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.


Reviewer Comment (XXXX/XX/XX): [redacted] [redacted] was not present in the file. Evidence of tax return extension was not provided.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
480
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.


Reviewer Comment (XXXX/XX/XX): [redacted] [redacted] was not present in the file. Evidence of tax return extension was not provided.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
480
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.


Reviewer Comment (XXXX/XX/XX): [redacted] [redacted] was not present in the file. Evidence of tax return extension was not provided.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
480
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.


Reviewer Comment (XXXX/XX/XX): [redacted] [redacted] was not present in the file. Evidence of tax return extension was not provided.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
480
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure APR
TILA-RESPA Integrated Disclosure - Loan Calculations:  APR of [redacted]% on Final Closing Disclosure provided on [redacted]is under-disclosed from the calculated APR of [redacted]% outside of [redacted]% tolerance.
APR of [redacted]% on Final Closing Disclosure provided on [redacted]is under-disclosed from the calculated APR of [redacted]% outside of [redacted]% tolerance.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received itemization.


Buyer Comment (XXXX/XX/XX): See attached CD addendum for all fees paid by others not to be included in the finance charge or APR. Please review to clear this condition.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
480
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of [redacted] which exceeds the  $[redacted] threshold.  Disclosed Amount Financed on page [redacted] is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted] ).
Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of [redacted] which exceeds the  $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted].
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received itemization.


Buyer Comment (XXXX/XX/XX): See attached CD addendum for all fees paid by others not to be included in the finance charge or APR. Please review to clear this condition.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
490
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
510
XXXX
 
XXXX
   
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
- ___
Documentation was not found to verify property taxes and insurance, if applicable, in the monthly amount of $[redacted].  There is a tax bill in the file that does not identify a property address and the amount does not support what was used in qualifying.
     
Reviewer Comment (XXXX/XX/XX): Subject is  [redacted].  HOA provided and tax bill.  HOI is not required. Exception clered.


Buyer Comment (XXXX/XX/XX): Please see the attached non-subject taxes along with proof of HOA dues to support the  $[redacted] shown on the [redacted] for the non-subject property at [redacted].
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Second Home
Purchase
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
520
XXXX
 
XXXX
   
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
 
The file is missing the fully executed Final Closing Statement for the sale of [redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review.
     
Reviewer Comment (XXXX/XX/XX): Received Closing Statement. Exception Cleared


Buyer Comment (XXXX/XX/XX): Please see the attached final settlement statement.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
530
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
570
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
570
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redaced], Tax Return Due Date [redacted].
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
570
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
       
Buyer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
580
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to QM failure. This exception will be cleared when all QM-related exceptions are cleared.
     
Reviewer Comment (XXXX/XX/XX): Per client guides, paystub not required. Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see our attached guidelines, we do not require a paystub.
XX/XX/XXXX
   
No
1
B
A
C
A
B
A
C
A
B
A
 
XX
Primary
Purchase
Lender to provide updated ATR/QM status
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
580
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing Test
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Details are updated as per the source document.
     
Buyer Comment (XXXX/XX/XX): seller accepts; no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
580
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - Wages
General QM:  Unable to verity income due to, missing  W-[redacted], Paystub, LES, ETS or WVOE.
Paystub for borrower was not provided.
     
Reviewer Comment (XXXX/XX/XX): Per client guides, paystub not required. Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see our attached guidelines, we do not require a paystub.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
590
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of [redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
[redacted] Percent Fee was last disclosed as -$[redacted] on the Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted] , a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): PCCD confirms cure for lender credit violation of $[redacted].  Exception cured.


Buyer Comment (XXXX/XX/XX): Please see attached curing the issue.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
610
XXXX
 
XXXX
   
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within [redacted] business days of the Note.
-
The file is missing the Verbal Verification of Employment obtained within [redacted] business days of closing.
     
Reviewer Comment (XXXX/XX/XX): Received VVOE [redacted] document. Exception Cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached [redacted] report confirming borrower is still active, please note post-close VOE is acceptable on QM loans.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Cash-out - Other
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
640
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
650
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared.
     
Reviewer Comment (XXXX/XX/XX): Received Third Party document with Time Stamp. Exception Cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached confirmation of when the SE verification was obtained.
XX/XX/XXXX
   
No
1
B
A
C
A
B
A
C
A
B
A
 
XX
Primary
Refinance - Rate/Term
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
650
XXXX
 
XXXX
   
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
The file is missing the borrower's Third Party Verification of Self Employment within [redacted] calendar days of the Note.
     
Reviewer Comment (XXXX/XX/XX): Received Third Party document with Time Stamp. Exception Cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached confirmation of when the SE verification was obtained.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Rate/Term
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
650
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
       
Reviewer Comment (XXXX/XX/XX): Received Third Party document with Time Stamp. Exception Cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached confirmation of when the SE verification was obtained.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Rate/Term
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
650
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
       
Reviewer Comment (XXXX/XX/XX): Received Third Party document with Time Stamp. Exception Cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached confirmation of when the SE verification was obtained.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Rate/Term
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
660
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
       
Buyer Comment (XXXX/XX/XX): Seller acknowledges the exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Second Home
Purchase
Letter of Explanation & Corrected Closing Disclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
660
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted]disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.
             
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Second Home
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
670
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
There was no COC found in file for the addition of the Appraisal Review Fee on the [redacted] D.  The [redacted] D correctly increased the lender credit to  $[redacted] to account for the lack of a COC.  The final CD reflects a lender correct of  $[redacted] of which  $[redacted] accounts for the missing the COC for the Appraisal Review Fee.  Please provide a valid COC or a post close CD disclosing the tolerance cure, copy of the refund check, letter of explanation to the borrower and proof of mailing.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received valid rebuttal comment and further review, appraisal review fee added with subsequent lender credit on LE and final CD.


Buyer Comment (XXXX/XX/XX): See attache COC for the [redacted] fee. The SSR on file confirms a CU score over [redacted] so a CDA was needed. Please review to clear this condition.


Reviewer Comment (XXXX/XX/XX): The final CD discloses the lender credit as  $[redacted] however the credit is being calculated as  $[redacted] due to the Appraisal Review of  $[redacted] was added to the borrower's initial CD without a valid COC. Please provide a valid COC or cure package with PCCD, copy of check, LOE, and proof of mailing to borrower. Exception remains for additional information.


Buyer Comment (XXXX/XX/XX): Final lender credit on final CD is $[redacted]. Please cancel this exception.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Second Home
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
730
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of  $[redacted] exceeds tolerance of [redacted].   $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Second Appraisal Fee was last disclosed as  $[redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received appraisal ordered document with additional information for a valid Changed circumstance.


Buyer Comment (XXXX/XX/XX): Please see the attached CIC showing broker requested a CDA rush request, which was added on [redacted] which is the same day of request.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
730
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of  $[redacted] exceeds tolerance of [redacted].   $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Review Fee was added on the first Closing Disclosure dated [redacted]in the amount of  $[redacted] and was reflected as paid by the lender. Another Closing Disclosure was issued on [redacted]and the fee was moved to borrower paid without a Change of Circumstance. Please provide a valid Change of Circumstance for this change, or provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.


Buyer Comment (XXXX/XX/XX): Please see the attached redisclosure package.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
740
XXXX
 
XXXX
   
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
- ___
The file is missing the Mortgage Statement/taxes/insurance/HOA dues/all PITIA Documentation for this property. Please provide for review.
     
Reviewer Comment (XXXX/XX/XX): Final CD confirms updated PITIA after refinance of REO.  Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see attached, final CD confirming full PITIA for [redacted]
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Cash-out - Other
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
760
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
760
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of  $[redacted] exceeds tolerance of $[redacted].   $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Transfer Tax was increased to  $[redacted] on the Final Closing Disclosure and a Change of Circumstance was not found. Please provide a valid Change of Circumstance or a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the Refund Check, Proof of Delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (XXXX/XX/XX): Please see the attached PCCD mailed to the borrower.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
770
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
770
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted]disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.
             
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
Good Faith Redisclosure
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
770
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by  $[redacted] compared to the calculated Finance Charge of [redacted] which exceeds the  $[redacted] threshold.  Disclosed Amount Financed on page [redacted] is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted] ).
Final Closing Disclosure disclosed a finance charge of $[redacted]; calculated finance charge is $[redacted]. Variance of $-[redacted].  Variance is due to the Same Day Rush Fee to the Title Company in the amount of $[redacted].
     
Reviewer Comment (XXXX/XX/XX): LOE, refund check, PCCD, and proof of delivery provided


Buyer Comment (XXXX/XX/XX): Please disregard the previously uploaded packet. It was not sent to the borrower. The correct packet is now attached


Buyer Comment (XXXX/XX/XX): Please see attached, Cure packet as requested.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
780
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  Received Disclosure summary showing LE viewed by borrower on [redacted].


Buyer Comment (XXXX/XX/XX): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
790
XXXX
 
XXXX
   
Compliance
Loan Package Documentation
Closing / Title
Missing, Incorrect, or Incomplete HUD-1
Missing Final HUD-[redacted]
 
The file is missing the Fully Executed Final Settlement Statement or Final Closing Disclosure for the sale of [redacted] to verify the total net equity received, to exclude the existing PITIA payments from the debts, and to confirm that all liens are paid and closed. Please provide for review.
     
Reviewer Comment (XXXX/XX/XX): [redacted] agreement received.  Condition cleared.


Buyer Comment (XXXX/XX/XX): Borrower has sold their home and entered into an agreement with [redacted] to sell the home to them in the event it cannot be sold. In this agreement there is no Final CD or settlement statement, but attached are the bridge loan note and [redacted] agreement.
XX/XX/XXXX
   
No
1
D
A
D
A
D
A
D
A
D
A
 
XX
Primary
Purchase
 
D
A
A
A
D
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
820
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
820
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of$XXXX is under disclosed by$XXXX compared to the calculated Finance Charge of$XXXX which exceeds the$XXXX threshold.  Disclosed Amount Financed on page 5 is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XXXX).
Details are updated as per the source document.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received Corrected CD & LOE for Section H fee, not Title fee.


Buyer Comment (XXXX/XX/XX): Please see the attached redisclosure package. The broker fee charged was not a title fee, it was paid to the broker, and as a result we have removed the title prefix. With that said, broker charges are optional for the borrower and are not finance charges.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
820
XXXX
 
XXXX
   
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.
         
Reviewer Comment (XXXX/XX/XX): Post Disaster Inspection received.


Buyer Comment (XXXX/XX/XX): Please see the attached disaster inspection.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
830
XXXX
 
XXXX
   
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Legal / Regulatory / Compliance
Final Title Policy is missing. No evidence of title in file.
 
The file was missing the preliminary title policy, please provide for review.
     
Reviewer Comment (XXXX/XX/XX): Received Title Commitment Document. Exception Cleared.


Buyer Comment (XXXX/XX/XX): please see attached
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
830
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
830
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
830
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
830
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
830
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
830
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
830
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received disclosure summary


Buyer Comment (XXXX/XX/XX): Please see receipt of the [redacted] LE attached
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Rate/Term
No Defined Cure
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
830
XXXX
 
XXXX
   
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
 
B
 
B
 
B
 
B
 
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
840
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
840
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XX/XX/XXXX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in “Other” section where regulation requires insurance to be disclosure under “Homeowner’s Insurance” section. Disclosure requirement met, non-material exception for incorrect format/placement.
             
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
860
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of$XXXX exceeds tolerance of$XXXX. $XXXX over legal limit.  Insufficient or no cure was provided to the borrower.
Title - Settlement / Closing / Escrow Fee was last disclosed as$XXXX on the Loan Estimate but was disclosed as$XXXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of$XXXX, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted] the fee are within tolerance limit.


Buyer Comment (XXXX/XX/XX): Please be advised this was disclosed in Section C and paid to a non-affiliate, this is not subject to tolerance.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
860
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of$XXXX exceeds tolerance of$XXXX. $XXXX over legal limit.  Insufficient or no cure was provided to the borrower.
Title - Survey Fee was last disclosed as$XXXX on the Loan Estimate but was disclosed as$XXXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of$XXXX, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted] the fee are within tolerance limit.


Buyer Comment (XXXX/XX/XX): Please be advised this was disclosed in Section C and paid to a non-affiliate, this is not subject to tolerance.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
870
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
       
Buyer Comment (XXXX/XX/XX): Seller acknowledges exception, no change in grading
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
910
XXXX
 
XXXX
   
Credit
Insurance
Insurance Documentation
Insurance
Missing Document: Flood Insurance Policy not provided
         
Reviewer Comment (XXXX/XX/XX): Received the flood insurance policy for the subject property. Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see attached, flood insurance as requested.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Second Home
Refinance - Rate/Term
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
920
XXXX
 
XXXX
   
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
 
The departure residence is under contract and PITIA has been excluded. Please provide evidence all contract contingencies have been met.
     
Reviewer Comment (XXXX/XX/XX): Client confirms no financing contingencies for the sale of the departure residence, exception cleared.


Buyer Comment (XXXX/XX/XX): This is not required, only financing contingencies must be proven prior to close, and since there are no financing contingencies there is nothing additionally required.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
940
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of$XXXX is under disclosed by$XXXX compared to the calculated Finance Charge of$XXXX which exceeds the$XXXX threshold.  Disclosed Amount Financed on page 5 is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XXXX).
Final Closing Disclosure disclosed a finance charge of$XXXX; calculated finance charge is$XXXX. Variance of$XXXX.  This variance is due to legal fees in Section H of the CD.
     
Reviewer Comment (XXXX/XX/XX): Legal fee excluded from finance charges


Buyer Comment (XXXX/XX/XX): Please see the purchase agreement in the loan file. [redacted] is the law firm contracted by the buyer as representation in the real estate deal. It is not a requirement of financing.


Reviewer Comment (XXXX/XX/XX): Please provide documentation of purpose of legal fees disclosed in section H of the [redacted] final CD.  The fee appears to have been disclosed as a title - attorney fee on the[redacted] CD, but was then moved to section H and titled as Legal fees. Please provide documentation of fee purpose and FSS for review.


Buyer Comment (XXXX/XX/XX): Our Top calculation is as follows. Please review and let me know where [redacted] is different

($[redacted])+$[redacted]+$[redacted]=$[redacted]

P&I*Months+Prepaid interest+Costs
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Second Home
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
970
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
       
Buyer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1000
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1000
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of$XXXX exceeds tolerance of$XXXX plus 10% or$XXXX. $XXXX over legal limit.  Insufficient or no cure was provided to the borrower.
10% fee violation due to an increase in the Title - Closing Protection Letter fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of$XXXX, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.


Buyer Comment (XXXX/XX/XX): Please see attached, cure packet as requested.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1020
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Closing Disclosure Issue Date Not Provided
TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available.
Incomplete Closing Disclosure, issue date not provided.
     
Reviewer Comment (XXXX/XX/XX): Attestation confirms [redacted] CD without barcode was not delivered to borrower and can be ignored. Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached attestation.


Reviewer Comment (XXXX/XX/XX): Per TRID Grid 4.0, Additional Considerations, Row 3, the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer.
This guidance applies only when:
 • The document is not acknowledged by the consumer; and
 • There is no other evidence indicating that the CD was provided to or received by the consumer.
The attestation should be provided as a separate document and included in the loan file.


Buyer Comment (XXXX/XX/XX): Please be advised the Closing Disclosure on page 142/574 DOC ID 0206 was not disclosed to the borrower as evidenced by the lack of bar code at the bottom of the pages. Please accept this comment as attestation that the CD was for internal balancing purposes only.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Good Faith Redisclosure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1130
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of$XXXX exceeds tolerance of$XXXX. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as$XXXX on the Loan Estimate, but was disclosed as$XXXX on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of$XXXX, a copy of the Refund Check, Proof of Delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.  Tolerance is due to HOA Start-up fee being added with non valid COC.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received rebuttal comment and further review, HOA set up fee added with subsequent lender credit on LE and final CD.


Buyer Comment (XXXX/XX/XX): An HOA start up fee is not a loan charge, and it was charged by the borrowers HOA to enter their HOA not a cost for the services of the HOA. There is no tolerance for this fee in Section H, and the borrower paid no amount of the charges. Please clear this condition as it is invalid.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1130
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
       
Buyer Comment (XXXX/XX/XX): seller accepts; no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1140
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1140
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of$XXXX exceeds tolerance of$XXXX. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as$XXXX on the Loan Estimate, but was disclosed as$XXXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of$XXXX, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.  Note - Recording fees on the itemization are not $XXXX and the Title - Archive/Wire Fee ($XXXX) is being paid on the seller CD.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received rebuttal suffice


Buyer Comment (XXXX/XX/XX): Please see page 401. The total lender credits are$XXXX.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1170
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of$XXXX exceeds tolerance of$XXXX plus 10% or$XXXX.  Sufficient or excess cure was provided to the borrower at Closing.
       
Reviewer Comment (XXXX/XX/XX): Sufficient Cure Provided At Closing
 
XX/XX/XXXX
 
No
1
A
A
A
A
A
A
A
A
A
A
 
XX
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1170
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of$XXXX exceeds tolerance of$XXXX.  Sufficient or excess cure was provided to the borrower at Closing.
       
Reviewer Comment (XXXX/XX/XX): Sufficient Cure Provided At Closing
 
XX/XX/XXXX
 
No
1
A
A
A
A
A
A
A
A
A
A
 
XX
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1220
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1220
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
       
Buyer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1230
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Cash-out - Other
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1230
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XX/XX/XXXX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in “Other” section where regulation requires insurance to be disclosure under “Homeowner’s Insurance” section. Disclosure requirement met, non-material exception for incorrect format/placement.
             
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Cash-out - Other
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1250
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1260
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of$XXXX exceeds tolerance of$XXXX. $XXXX over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Fee was last disclosed as$XXXX on the Loan Estimate, but was disclosed as$XXXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of$XXXX, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (XXXX/XX/XX): Please see the proof of delivery attached


Reviewer Comment (XXXX/XX/XX): [redacted] received Post CD,LOX,Copy of refund check and proof of mailing .[redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.


Buyer Comment (XXXX/XX/XX): Please see the cure redisclosure pkg attached


Reviewer Comment (XXXX/XX/XX): [redacted] Received Valid COC dated [redacted]; however, fee was lender paid on CD [redacted] and then changed to borrower paid on Final CD. Provide COC with detailed information why fee change from lender paid to borrower paid on Final CD or Cure is due. Cure Consist of PCCD, LOE, Refund Check and Proof of Mailing.


Buyer Comment (XXXX/XX/XX): The document on page 801 is dated showing a CU score > 2.5. Our guidelines for this product require a CDA at that point which is the reason for the fee increase, the CIC may have a general comment but all information needed to clear this condition is in file and has been provided.


Reviewer Comment (XXXX/XX/XX): [redacted] received valid rebuttal comment. However, supporting COC was missing for the same in order to associate with CD dated [redacted] to re-baseline this exception. Additionally, provided system snip indicates that only the fee added and it does not reflects reason for the fee added. COC is required to re-baseline this exception.


Buyer Comment (XXXX/XX/XX): Please see attached CIC for the addition of the $[redacted] appraisal review fee. The CU score was over 2.5 which means a CDA was needed. The attached is a screen shot from our internal underwriting system showing the CIC and confirming when the CIC occurred. Please review to clear this condition.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1290
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1300
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1310
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of$XXXX exceeds tolerance of$XXXX. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as$XXXX on the Loan Estimate, but was disclosed as$XXXX on the Final Closing Disclosure. The Appraisal Review Fee for$XXXX was added without a valid COC. Provide a valid COC, or a post close CD disclosing the tolerance violation of$XXXX, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received rebuttal comment and further review, appraisal review fee added with subsequent lender credit on LE and final CD.


Buyer Comment (XXXX/XX/XX): Please see page 519 of the loan file. The total lender credits is$XXXX
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1330
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Second Home
Purchase
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1330
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Second Home
Purchase
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1330
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XX/XX/XXXX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in “Other” section where regulation requires insurance to be disclosure under “Homeowner’s Insurance” section. Disclosure requirement met, non-material exception for incorrect format/placement.
             
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Second Home
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1340
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1360
XXXX
 
XXXX
   
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
The XXXX and XXXX W2's for the co-borrower reflected "Fed W2 data is on separate W2" and did not indicate co-borrower's taxable earnings. Please provide the W2s used at origination, or acceptable alternative documentation which contains this information.
     
Reviewer Comment (XXXX/XX/XX): Received [redacted] and [redacted] W-2's for Co-borrower. Exception Cleared.


Buyer Comment (XXXX/XX/XX): Please see attached
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Cash-out - Other
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1360
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared.
     
Reviewer Comment (XXXX/XX/XX): Received [redacted] and [redacted] W-2's for Co-borrower. Exception Cleared.


Buyer Comment (XXXX/XX/XX): please see attached
XX/XX/XXXX
   
No
1
B
A
C
A
B
A
C
A
B
A
 
XX
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1360
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
       
Reviewer Comment (XXXX/XX/XX): Received [redacted] and [redacted] W-2's for Co-borrower. Exception Cleared.


Buyer Comment (XXXX/XX/XX): please see attached
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Cash-out - Other
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1380
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1380
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1380
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1390
XXXX
 
XXXX
   
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Cash-out - Other
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1410
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Cash-out - Other
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1410
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Cash-out - Other
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1410
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Cash-out - Other
 
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1430
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1440
XXXX
 
XXXX
   
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Legal / Regulatory / Compliance
Final Title Policy is missing. No evidence of title in file.
         
Reviewer Comment (XXXX/XX/XX): Received preliminary title commitment.  Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see attached title
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1440
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
Missing Required Data (other than HUD-1 or Note)
(Missing Data) Unable to determine if loan is a same lender refi (Circuit [redacted])
Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the [redacted])
The file was missing the preliminary title policy. Unable to determine the original lender.
     
Buyer Comment (XXXX/XX/XX): Seller acknowledges the exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Refinance - Rate/Term
 
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1450
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1450
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of$XXXX exceeds tolerance of$XXXX. $XXXX over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Fee was last disclosed as$XXXX on the Loan Estimate, but was disclosed as$XXXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of$XXXX, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (XXXX/XX/XX): please see the cure redisclosure pkg attached


Reviewer Comment (XXXX/XX/XX): [redacted] reviewed that the itemization of credit document shows that the appraisa review fee paid by seller. However, provided final CD in the loan file indicates appraisal review of $[redacted] that was disclosed under paid by borrower. If the fee was paid by seller, then it should be updated as seller paid on CD in the "Seller-Paid" column. Please provide corrected PCCD updating as seller paid, LOE and true & certified copy of final settlement statement to reevaluate and re-baseline this exception.


Buyer Comment (XXXX/XX/XX): Please refer to page 500 of the loan images confirming the $[redacted] was paid by a seller credit, the credit previously applied to the Appraisal review fee was re-allocated as evidenced by the fact that overall lender credits did not decrease on the final CD.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1460
XXXX
 
XXXX
   
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Second Home
Purchase
 
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1460
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XX/XX/XXXX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in “Other” section where regulation requires insurance to be disclosure under “Homeowner’s Insurance” section. Disclosure requirement met, non-material exception for incorrect format/placement.
             
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Second Home
Purchase
Good Faith Redisclosure
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1470
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1470
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of$XXXX exceeds tolerance of$XXXX. $XXXX over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal review Fee was last disclosed as$XXXX on the Loan Estimate, but was disclosed as$XXXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of$XXXX, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received valid COC dated XX/XX/XXXX


Buyer Comment (XXXX/XX/XX): Please see attached


Reviewer Comment (XXXX/XX/XX): [redacted] Received document showing rush fee added on [redacted]; however, received document not showing borrower information (Name and loan details). Provide rush document request with loan and borrower details.


Buyer Comment (XXXX/XX/XX): Please see the screen shot attached showing the fee increased as a result of a rush request. The rush was requested by and fee increase approved by the borrower. Please use this to resolve the exception


Reviewer Comment (XXXX/XX/XX): [redacted] received rebuttal stating CU score was over 2.5 which required Appraisal review. However, the fee again increased on CD dated [redacted]. Kindly provide a valid COC for the fee increased on CD dated [redacted] for $[redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.


Buyer Comment (XXXX/XX/XX): Please see attached CIC for the addition of the $[redacted] appraisal review fee. The CU score was over 2.5 which means a CDA was needed. The attached is a screen shot from our internal underwriting system showing the CIC and confirming when the CIC occurred. Please review to clear this condition.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1480
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1490
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
     
Reviewer Comment (XXXX/XX/XX): [redacted] Received disclosure summary showing LE viewed on XX/XX/XXXX.


Buyer Comment (XXXX/XX/XX): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1550
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1550
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of$XXXX exceeds tolerance of$XXXX plus 10% or$XXXX. $XXXX over legal limit.  Insufficient or no cure was provided to the borrower.
10% fee violation due to an increase in the Title Fee. No valid Change of Circumstance was provided for this change, nor Evidence of Cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of$XXXX, a copy of the Refund Check, Proof of Delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted] received Letter of explanation and Corrected Closing disclosure.


Buyer Comment (XXXX/XX/XX): The borrower selected an off list provider. Please see attached moving these fees to section C as they are subject to unlimited tolerance
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1580
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1590
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of  $[redacted] exceeds tolerance of [redacted].   $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Pest Inspection Fee was last disclosed as [redacted]on the Loan Estimate, but was disclosed as  $[redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the Refund Check, Proof of Delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received lOX.


Buyer Comment (XXXX/XX/XX): See attached attestation.


Reviewer Comment (XXXX/XX/XX): [redacted]  is unable to determine from the file whether the lender or title company requried the Pest inspection.  If the lender required the Pest inspection then a cure is due to the borrower.  If the borrower-chosen service provider further outsourced the Pest inspection Fee, an attestation or comment on exception from the seller is needed.  The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. If the borrower elected to have Pest inspection completed on their own then a Corrected CD moving the fee to Section H and LOE to borrower is required.


Buyer Comment (XXXX/XX/XX): This fee is disclosed in section c and is subject to unlimited tolerance. There is no violation. The borrower chose their own provider. Please cancel this exception.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1590
XXXX
 
XXXX
   
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within [redacted] business days of the Note.
-
       
Reviewer Comment (XXXX/XX/XX): Paystub meets ALT [redacted] guides.  VVOE not required.  Exception cancelled.


Buyer Comment (XXXX/XX/XX): Paystub as VOE guidelines were met. Borrower is paid monthly and we have the most recent monthly paystub.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1610
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared.
     
Reviewer Comment (XXXX/XX/XX): Asset and VVOE documents were found in initial submission.  Exception not valid.


Buyer Comment (XXXX/XX/XX): The [redacted] statement is on page [redacted] and the [redacted] statement is on page [redacted].
XX/XX/XXXX
   
No
1
B
A
C
A
B
A
C
A
B
A
 
XX
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1610
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
       
Reviewer Comment (XXXX/XX/XX): Asset and VVOE documents were found in initial submission.  Exception not valid.


Buyer Comment (XXXX/XX/XX): The [redacted] statement is on page [redacted] and the [redacted] statement is on page [redacted].
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1620
XXXX
 
XXXX
   
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
The file is missing the Insurance documentation for this property. Please provide for review.
     
Reviewer Comment (XXXX/XX/XX): Client provided business insurance policy that discloses coverage for the dwelling, exception cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached business insurance policy for the property.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1620
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of  $[redacted] exceeds tolerance of  $[redacted] plus [redacted]% or $[redacted].    $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Recording fee total exceeds the tolerance of  $[redacted] that was initially disclosed on the Loan Estimate. Fee increased to  $[redacted] on the Final CD.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (XXXX/XX/XX): Please see the attached package mailed to the borrower.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1650
XXXX
 
XXXX
   
Credit
Loan Package Documentation
Closing / Title
Missing Document
Missing Document: Security Instrument - Subject Lien not provided
         
Reviewer Comment (XXXX/XX/XX): Security Instrument received. Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached signed mortgage.
XX/XX/XXXX
   
No
1
D
A
D
A
D
A
D
A
D
A
 
XX
Primary
Purchase
 
D
A
D
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1670
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as -$[redacted] on the Loan Estimate, but was disclosed as -$[redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received rebuttal suffice


Buyer Comment (XXXX/XX/XX): The final lender credit on the final cd is $[redacted] and thus there is no violation. please cancel this exception.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1680
XXXX
 
XXXX
   
Credit
Hazard Insurance
Insufficient Coverage
Hazard Insurance
The Hazard Insurance Policy Effective Date is after closing.
Hazard Insurance Policy Effective Date ___, Disbursement Date: ___
       
Reviewer Comment (XXXX/XX/XX): Effective date & Disbursement is same. Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see attached, confirmation from insurance agent there were no claims in the one-day gap in coverage period.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1680
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $[redacted]  exceeds tolerance of [redacted].  $[redacted]  over legal limit.  Insufficient or no cure was provided to the borrower.
Flood Certification (Life Of Loan) was last disclosed as [redacted]on the Loan Estimate, but was disclosed as $[redacted]  on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (XXXX/XX/XX): Please see attached, PCCD and cure check as requested.
 
XX/XX/XXXX
 
No
2
C
B
C
B
C
B
C
B
C
B
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1690
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of  $[redacted] exceeds tolerance of  $[redacted] plus [redacted]% or $[redacted].  $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Title - Closing Protection letter fee and Title - Lender's Insurance fee. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted] .[redacted], a copy of the Refund Check, Proof of Delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received PCCD and LOE


Buyer Comment (XXXX/XX/XX): Please see attached moving these fees to Section C. The borrower went with an off list provider so this is subject to unlimited tolerance.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1690
XXXX
 
XXXX
   
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
         
Reviewer Comment (XXXX/XX/XX): Closing statement received. Exception cleared.


Buyer Comment (XXXX/XX/XX): See attached certified copy of the settlement statement
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1740
XXXX
 
XXXX
   
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: [redacted]
 
The file is missing the Secondary Valuation required for securitization purposes.
     
Reviewer Comment (XXXX/XX/XX): Received Desktop Analysis. Exception Cleared.


Buyer Comment (XXXX/XX/XX): See Pg [redacted]. Please cancel this exception.
XX/XX/XXXX
   
No
1
D
A
D
A
D
A
D
A
D
A
 
XX
Primary
Purchase
 
D
A
A
A
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1760
XXXX
 
XXXX
   
Credit
Missing Document
General
Missing Document
Missing Document: Evidence of Access to Funds not provided
 
The terms and conditions for withdrawal for [redacted]k were missing from the file. Please provide for review.
     
Reviewer Comment (XXXX/XX/XX): Terms of withdrawal are not required for this account.  Exception cleared.


Buyer Comment (XXXX/XX/XX): Terms of withdrawal not required as the occupancy is primary residence.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1780
XXXX
 
XXXX
   
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
 
The file is missing the fully executed Final Closing Statement for the sale of [redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review.
     
Reviewer Comment (XXXX/XX/XX): Settlement statement provided to confirm sale of property and proceeds.  Exception cleared.


Buyer Comment (XXXX/XX/XX): See attached settlement statement for this property
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1790
XXXX
 
XXXX
   
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
 
Please provide the Final CD for the Bridge Loan so the final terms can be confirmed.
     
Reviewer Comment (XXXX/XX/XX): Reviewed the Final Closing Disclosure and validated the bridge loan terms. Exception cleared.


Buyer Comment (XXXX/XX/XX): Please see the attached CD and settlement statement.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
 
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1800
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted]disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.
             
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1810
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of  $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as - $[redacted] on the Loan Estimate but was disclosed as -$[redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received system snip with additional information for a valid Changed circumstance.


Buyer Comment (XXXX/XX/XX): Please see attached cic for the removal of the credits. The rate changed which impacts the pricing of the loan.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1820
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of  $[redacted] exceeds tolerance of $[redacted].    $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Title - Survey Fee was last disclosed as $[redacted]on the Loan Estimate, but was disclosed as  $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  received rebuttal suffice


Buyer Comment (XXXX/XX/XX): This is in section C and not subject to tolerance due to the borrower selecting an off list provider. We did not require the survey for the loan. Please cancel this exception.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
1820
XXXX
 
XXXX
   
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1880
XXXX
 
XXXX
   
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: [redacted]
         
Reviewer Comment (XXXX/XX/XX): Received CDA document. Exception Cleared.


Buyer Comment (XXXX/XX/XX): Please see attached cda
XX/XX/XXXX
   
No
1
D
A
D
A
D
A
D
A
D
A
 
XX
Primary
Purchase
 
D
B
B
B
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1880
XXXX
 
XXXX
   
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
       
Reviewer Comment (XXXX/XX/XX): Seller acknowledges exception, no change to grading.
   
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
 
XX
Primary
Purchase
 
D
B
B
B
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
1890
XXXX
 
XXXX
   
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as -$[redacted] on the Loan Estimate, but was disclosed as -$[redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post close Closing Disclosure disclosing the tolerance violation of $[redacted] .[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
     
Reviewer Comment (XXXX/XX/XX): [redacted]  Received lock dated [redacted] showing pricing change due to DTI.


Buyer Comment (XXXX/XX/XX): Please refer to page [redacted] DOC ID [redacted] along with the attached pricing changes confirming lender credits were lowered to $[redacted] which is what the final CD shows.
XX/XX/XXXX
   
No
1
C
A
C
A
C
A
C
A
C
A
 
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes





Valuation Report
         
Run Date - 11/2/2026 4:07:23 PM
       

SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Note Date
Original Loan Amount
Sales Price
Value for LTV
As-Is Value for LTV
LTV Value Variance Amount
LTV Value Variance Percent
Primary Valuation Value
Primary Valuation Report Date
Primary Valuation Effective Date
Primary Valuation Type
Primary Valuation Company
Primary Valuation Appraiser Name
Primary Valuation Appraiser License Num
Primary Valuation FSD Score
Secondary Valuation Value
Secondary Valuation Variance Amount
Secondary Valuation Variance Percent
Secondary Valuation Report Date
Secondary Valuation Effective Date
Secondary Valuation Type
Secondary Valuation Company
Secondary Valuation FSD Score
Secondary Valuation Desk Review Risk Score
AVM Value
AVM Variance Amount
AVM Variance Percent
AVM Company
AVM FSD Score
AVM Report Date
Desk Review Value
Desk Review Variance Amount
Desk Review Variance Percent
Desk Review Company
Desk Review Risk Score
Desk Review Report Date
Desk Review Effective Date
Desktop Appraisal Value
Desktop Appraisal Variance Amount
Desktop Appraisal Variance Percent
Desktop Appraisal Company
Desktop Appraisal Report Date
Desktop Appraisal Effective Date
BPO Value
BPO Variance Amount
BPO Variance Percent
BPO Company
BPO Report Date
Field Review Value
Field Review Variance Amount
Field Review Variance Percent
Field Review Company
Field Review Report Date
Field Review Effective Date
2055 Value
2055 Variance Amount
2055 Variance Percent
2055 Company
2055 Report Date
2055 Effective Date
AVE/CMA Value
AVE/CMA Variance Amount
AVE/CMA Variance Percent
AVE/CMA Company
AVE/CMA Report Date
Hybrid Valuation Value
Hybrid Valuation Variance Amount
Hybrid Valuation Variance Percent
Hybrid Valuation Company
Hybrid Valuation Report Date
Updated Valuation Value
Updated Valuation Variance Amount
Updated Valuation Variance Percent
Updated Valuation Company
Updated Valuation Report Date
Updated Valuation Effective Date
Aggregate Appraised Value
Aggregate Variance Amount
Aggregate Variance Percent
Value Analysis Valuation Value
Value Analysis Report Date
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?
LCA Risk Score
Collateral Underwriter Risk Score
XXXX
10
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
20
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.00
XXXX
30
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.20
XXXX
40
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
50
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.70
XXXX
60
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
70
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.10
XXXX
80
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
90
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.60
XXXX
100
XXXX
             
0.000%
     
Appraisal
           
-9.330%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
5.00
XXXX
110
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
120
XXXX
             
0.000%
     
Appraisal
           
25.420%
   
Appraisal
                     
-1.690%
 
High
                                                                                           
N/A
 
3.40
XXXX
130
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.90
XXXX
140
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.40
XXXX
150
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.30
XXXX
160
XXXX
             
0.000%
     
Appraisal
           
12.050%
   
AVM
 
XXXX
                                                                                                                   
N/A
 
1.00
XXXX
170
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
180
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
190
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.20
XXXX
200
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
   
XXXX
210
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.90
XXXX
220
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.30
XXXX
230
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.10
XXXX
240
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
250
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.60
XXXX
260
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.90
XXXX
270
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.60
XXXX
280
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.20
XXXX
290
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.50
XXXX
300
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
5.00
XXXX
310
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.70
XXXX
320
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.20
XXXX
330
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.30
XXXX
340
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.50
XXXX
350
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.50
XXXX
360
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.60
XXXX
370
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.00
XXXX
380
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.10
XXXX
390
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
5.00
XXXX
400
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.60
XXXX
410
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.40
XXXX
420
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.20
XXXX
430
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
5.00
XXXX
440
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.70
XXXX
450
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
460
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
Yes
2.50
1.00
XXXX
470
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.40
XXXX
480
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.50
XXXX
490
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.70
XXXX
500
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
510
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.20
XXXX
520
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.40
XXXX
530
XXXX
             
0.000%
     
Appraisal
           
-3.240%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
2.60
XXXX
540
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
550
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.60
XXXX
560
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.20
XXXX
570
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
No
 
2.80
XXXX
580
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.90
XXXX
590
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.70
XXXX
600
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
610
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
   
XXXX
620
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
630
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
640
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.80
XXXX
650
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
660
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.90
XXXX
670
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.00
XXXX
680
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.30
XXXX
690
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.80
XXXX
700
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.40
XXXX
710
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.10
XXXX
720
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
High
                                                                                                                 
N/A
 
3.90
XXXX
730
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
2.90
XXXX
740
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.00
XXXX
750
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
760
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
770
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
4.10
XXXX
780
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.60
XXXX
790
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
Yes
2.00
1.60
XXXX
800
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.10
XXXX
810
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.40
XXXX
820
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.60
XXXX
830
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
840
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
850
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.50
XXXX
860
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.40
XXXX
870
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.00
XXXX
880
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.30
XXXX
890
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
900
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.10
XXXX
910
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.50
XXXX
920
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.60
XXXX
930
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.20
XXXX
940
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.20
XXXX
950
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.10
XXXX
960
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
970
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
980
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.40
XXXX
990
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.40
XXXX
1000
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
2.80
XXXX
1010
XXXX
             
0.000%
     
Appraisal
           
-8.760%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
5.00
XXXX
1020
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.20
XXXX
1030
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.50
XXXX
1040
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.20
XXXX
1050
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1060
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1070
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1080
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.90
XXXX
1090
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Appraisal
                     
-17.150%
 
High
                                                                                           
N/A
 
3.30
XXXX
1100
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.30
XXXX
1110
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
No
 
3.10
XXXX
1120
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.00
XXXX
1130
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.40
XXXX
1140
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.10
XXXX
1150
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.60
XXXX
1160
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1170
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.60
XXXX
1180
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1190
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1200
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.30
XXXX
1210
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.30
XXXX
1220
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1230
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.60
XXXX
1240
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1250
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.50
XXXX
1260
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
5.00
XXXX
1270
XXXX
             
1.310%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.50
XXXX
1280
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1290
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.60
XXXX
1300
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
   
XXXX
1310
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.20
XXXX
1320
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.80
XXXX
1330
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.10
XXXX
1340
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.90
XXXX
1350
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.10
XXXX
1360
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.00
XXXX
1370
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.60
XXXX
1380
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1390
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.50
XXXX
1400
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1410
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.30
XXXX
1420
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.10
XXXX
1430
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1440
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.30
XXXX
1450
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.60
XXXX
1460
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
5.00
XXXX
1470
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
2.60
XXXX
1480
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.00
XXXX
1490
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.80
XXXX
1500
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
No
3.50
2.30
XXXX
1510
XXXX
             
0.000%
     
Appraisal
           
-5.690%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
2.90
XXXX
1520
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.20
XXXX
1530
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.50
XXXX
1540
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.50
XXXX
1550
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1560
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.90
XXXX
1570
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.30
XXXX
1580
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1590
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1600
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.40
XXXX
1610
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.30
XXXX
1620
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
4.50
XXXX
1630
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.90
XXXX
1640
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.50
XXXX
1650
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1660
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1670
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.70
XXXX
1680
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
2.70
XXXX
1690
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.10
XXXX
1700
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.30
XXXX
1710
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.70
XXXX
1720
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.10
XXXX
1730
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.30
XXXX
1740
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.80
XXXX
1750
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1760
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.10
XXXX
1770
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
Yes
2.00
2.60
XXXX
1780
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.80
XXXX
1790
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.50
XXXX
1800
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.20
XXXX
1810
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1820
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1830
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
2.30
XXXX
1840
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.20
XXXX
1850
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
4.50
XXXX
1860
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00
XXXX
1870
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Low
                                                                                                                 
N/A
 
3.60
XXXX
1880
XXXX
             
0.000%
     
Appraisal
           
0.000%
   
Desk Review
   
Moderate
                                                                                                                 
N/A
 
3.20
XXXX
1890
XXXX
             
0.000%
     
Appraisal
                                                                                                                                           
N/A
 
1.00

Supplemental Data
       
Run Date - 11/2/2026 4:07:24 PM
     

SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
TILA Status Loan Designation
Exempt QM/ATR Equivalency
CDFI Bank Originated Loan
Application Date
TRID Tested
GSE
HOEPA Fees
TILA Fees
Rate Lock Date
Calculated APR
Original P&I
Qualifying P&I
Qualifying Rate
Is Borrower Non Occupant
Is Co Borrower Non Occupant
Borrower Employment Indicator
Co Borrower Employment Indicator
Co Borrower 2 Employment Indicator
Co Borrower 3 Employment Indicator
Co Borrower2 Length of Employment
Co Borrower3 Length of Employment
Borrower Foreign National Indicator
Co Borrower Foreign National Indicator
Co Borrower 2 Foreign National Indicator
Co Borrower 3 Foreign National Indicator
Borrower Country Name
Co Borrower Country Name
Co Borrower2 Country Name
Co Borrower3 Country Name
Residual Income
Num Units
Annual Property Tax
Annual Insurance Costs
Monthly Property Tax
Monthly Insurance Costs
HOA Name
HOA Address State
Fee Amount
Next Due Date
HOA Payment Frequency
Investor DTI
QM DTI
Non QM DTI
Original Credit Report Date
Qualifying Credit Score
Third Wage Earner Original FICO Equifax
Third Wage Earner Original FICO Experian
Third Wage Earner Original FICO Transunion
Fourth Wage Earner Original FICO Equifax
Fourth Wage Earner Original FICO Experian
Fourth Wage Earner Original FICO Transunion
Most Recent Updated Credit Report Date
Primary Wage Earner Updated FICO Equifax
Primary Wage Earner Updated FICO Experian
Primary Wage Earner Updated FICO Transunion
Secondary Wage Earner Updated FICO Equifax
Secondary Wage Earner Updated FICO Experian
Secondary Wage Earner Updated FICO Transunion
Third Wage Earner Updated FICO Equifax
Third Wage Earner Updated FICO Experian
Third Wage Earner Updated FICO Transunion
Fourth Wage Earner Updated FICO Equifax
Fourth Wage Earner Updated FICO Experian
Fourth Wage Earner Updated FICO Transunion
Most Recent Updated Co Borrower 2 FICO
Most Recent Updated Co Borrower 3 FICO
Co Borrower 2 Asset Verification Level
Co Borrower 3 Asset Verification Level
Co Borrower 2 Income Verification Level
Co Borrower 3 Income Verification Level
Co Borrower 2 Employment Verification Level
Co Borrower 3 Employment Verification Level
Asset Depletion Flag
Bank Statements Flag
Number of Statements
Type of Statements
Percent of Income From Statements
Borrower Business Ownership %
CoBorrower Business Ownership %
P&L Type
Income Doc Detail
Tax Return Doc Details
Document Level
Document Type
Most Recent Bankruptcy Type
Most Recent Bankruptcy Filing Date
Most Recent Bankruptcy Discharge Date
Number of Bankruptcy Events
Months Bankruptcy (7, 11)
Months Bankruptcy (13)
Most Recent Deed-in -Lieu Date
Number of Deed-in-Lieu Events
Months Deed-in-Lieu
Most Recent Short Sale Date
Number of Short Sale Events
Months Short Sale (or Pre FC)
Most Recent Foreclosure Date
Number of Foreclosure Events
Months Foreclosure
Prior Mortgage/Rent Late 30d in 24m
Prior Mortgage/Rent Late 60d in 24m
Prior Mortgage/Rent Late 90d in 24m
Has ACH
Guideline Name
UW Guideline Author
ATR QM Total Points and Fees Audit
Loan Regulation Benchmark Date
Benchmark Rate
HUD 1 Page 1 Credits Total
Collateral Underwriter Risk Score
AUS Decision System
Property Inspection Waiver (PIW)
Rating Result
Eligible For Rep and Warrant Relief Per Collateral Advisor
Is Equity Shared Loan
Investor Qualifying Rate
Borrower Years of W2s
CoBorrower Years of W2s
Years of Personal Tax Returns
Years of Business Tax Returns
Years of 4506T
Years of Tax Transcripts
Months of Personal Bank Statements
Months of Business Bank Statements
Months of Profit and Loss Statements
Expense Letter
Total DSCR
Total Inverse DSCR
Subordinate Lien Type
Is Shared Appreciation Mortgage
Duration of Payout Months
Seller VSH Indicator
Seller Indicated VSH Guideline
Validated VSH
IO Remaining Amortization Term at Recast
Maturity Date
Borrower Own Funds Cash Amount
Borrower Own Funds Percent
Is the Note an eNote
Borrower WVOE - # of Months of Income provided
Co Borrower WVOE - # of Months of Income provided
Co Borrower2 WVOE - # of Months of Income provided
Co Borrower3 WVOE - # of Months of Income provided
Were the origination guidelines utilized for this diligence review?
Title Evidence
Ownership Type
Borrower Type
Borrower Designation
Co Borrower Type
Co Borrower Designation
Co Borrower2 Type
Co Borrower2 Designation
Co Borrower3 Type
Co Borrower3 Designation
Senior Lien Position
Senior Lien Original Loan Amount
Senior Lien Original Interest Rate
Senior Lien Note Projected Closing Date
Senior Lien Current Balance
Senior Lien Current P&I
Loan Closed in the Name of an Entity
Note Executed by
Assumable Mortgage Flag
Leasehold Flag
Buydown Flag
Borrower Experian FICO Model Used
Borrower Equifax FICO Model Used
Borrower TransUnion FICO Model Used
Co Borrower Experian FICO Model Used
Co Borrower Equifax FICO Model Used
Co Borrower TransUnion FICO Model Used
Co Borrower2 Experian FICO Model Used
Co Borrower2 Equifax FICO Model Used
Co Borrower2 TransUnion FICO Model Used
Co Borrower3 Experian FICO Model Used
Co Borrower3 Equifax FICO Model Used
Co Borrower3 TransUnion FICO Model Used
Borrower Documentation Used to Determine Legal Residency
Co Borrower Documentation Used to Determine Legal Residency
Co Borrower2 Documentation Used to Determine Legal Residency
Co Borrower3 Documentation Used to Determine Legal Residency
Delayed Financing?
Months Reserves
Correspondent Type
Departure Residence
Rate Increase on Default
Default Interest Rate
Default Interest Accrual Start Days
MERS Min Number
Co Borrower Other Income
Co Borrower Wage Income
Primary Housing Lates 0 6 Months 30
Primary Housing Lates 0 6 Months 60
Primary Housing Lates 0 6 Months 90
Primary Housing Lates 7 12 Months 30
Primary Housing Lates 7 12 Months 60
Primary Housing Lates 7 12 Months 90
Primary Housing Lates 13 24 Months 30
Primary Housing Lates 13 24 Months 60
Primary Housing Lates 13 24 Months 90
Primary Housing Lates 25 36 Months 30
Primary Housing Lates 25 36 Months 60
Primary Housing Lates 25 36 Months 90
Borrower 1 ITIN Flag
Borrower 2 ITIN Flag
Borrower 3 ITIN Flag
Borrower 4 ITIN Flag
Total Number of Mortgaged Properties
Amortization Term Less IO
Flood Zone Designation
Flood Policy Expiration Date
Flood Policy Coverage Amount
xxxx
10
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
1
1
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
20
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - K-1 (< 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; Paystubs - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; VVOE - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Tax Return Extension - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Tax Return Extension - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
1
2
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
30
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.2
DU
 
ApproveIneligible
N/A
No
xxxx
2
1
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
40
xxxx
 
xxxx
     
Yes
Yes
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveEligible
N/A
No
xxxx
2
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
50
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
3.7
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
60
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Other - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
70
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.1
DU
 
ApproveEligible
N/A
No
xxxx
2
0
1
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
27
     
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
80
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
90
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Farming]; 1040 - Schedule F - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.6
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
180
X
   
xxxx
100
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; WVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
5.0
DU
 
ApproveEligible
N/A
No
xxxx
0
2
2
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
 
18
   
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
AE
xxxx
xxxx
xxxx
110
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
4
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
120
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; 1099 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.4
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
1
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
Other
   
xxxx
130
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.9
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
140
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.4
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
150
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.3
DU
 
ApproveIneligible
N/A
No
xxxx
3
 
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
160
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Non-Primary Income - Social Security]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - Annuity]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
170
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Account Transcripts - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Account Transcripts - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
180
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
190
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Primary Income - Sole Proprietor]; CPA Letter - 2026
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.2
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
 
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
Retail
 
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
200
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
 
DU
 
ApproveIneligible
N/A
No
xxxx
1
0
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
210
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.9
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
31
     
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
220
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.3
DU
 
ApproveIneligible
N/A
No
xxxx
1
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X-500
   
xxxx
230
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.1
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
240
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 Transcript - 2025
[Borrower -  | Primary Income - Wages]; W-2 Transcript - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
250
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; WVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.6
DU
 
ApproveIneligible
N/A
No
xxxx
0
1
0
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
 
17
   
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
260
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.9
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
1
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
270
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
Permanent Resident Alien
Permanent Resident Alien
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
29
30
   
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
         
Resident Alien Card
Resident Alien Card
   
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
280
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.2
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
2
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X-500
   
xxxx
290
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Primary Income - Sole Proprietor]; W-2 Transcript - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Account Transcripts - 2025
[Coborrower]; Account Transcripts - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.5
DU
 
ApproveIneligible
N/A
No
xxxx
1
2
1
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
300
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
5.0
DU
 
ApproveIneligible
N/A
No
xxxx
1
0
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
310
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.7
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
320
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
Permanent Resident Alien
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.2
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
               
Resident Alien Card
       
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
330
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
Yes
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.3
DU
 
ApproveIneligible
N/A
No
xxxx
2
1
3
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
Retail
 
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
340
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
Permanent Resident Alien
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
3.5
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
2
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
29
     
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
               
Resident Alien Card
       
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
350
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.5
DU
 
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
360
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - C-Corp]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - C-Corp]; 1120 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
370
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; WVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
1
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
31
     
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
380
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.1
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
390
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
5.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
1
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
400
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - No Results Returned - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - No Results Returned - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveIneligible
N/A
No
xxxx
0
3
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
410
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Interest / Dividends]; K-1 - 2025
[Borrower -  | Non-Primary Income - Interest / Dividends]; K-1 - 2024
[Borrower -  | Non-Primary Income - Interest / Dividends]; K-1 - 2023
[Borrower -  | Non-Primary Income - Trust Income]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Trust Income]; Trust Agreement - 1997
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.4
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X-500
   
xxxx
420
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.2
DU
 
ApproveIneligible
N/A
No
xxxx
1
2
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
31
31
   
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
430
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
5.0
DU
 
ApproveIneligible
N/A
No
xxxx
1
0
1
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
440
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.7
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
2
0
2
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
AE
xxxx
xxxx
xxxx
450
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
460
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
Yes
No
xxxx
1
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
C
   
xxxx
470
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.4
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
1
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
Other
   
xxxx
480
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - No Results Returned - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.5
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
0
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
490
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Primary Income - IRA Distribution]; 1099-R - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.7
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
8
360
X
   
xxxx
500
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X*
   
xxxx
510
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.2
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X-500
   
xxxx
520
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.4
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
530
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveEligible
N/A
No
xxxx
0
0
1
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
30
9
   
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X-500
   
xxxx
540
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
Permanent Resident Alien
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
1
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
         
Resident Alien Card
       
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
550
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2026
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.6
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
560
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.2
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X-500
   
xxxx
570
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.8
DU
 
ApproveIneligible
No
No
xxxx
2
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
AE
xxxx
xxxx
xxxx
580
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2026
[Borrower -  | Primary Income - Projected Income]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.9
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
4
360
X
   
xxxx
590
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; WVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.7
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
31
     
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
600
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
Yes
xxxx
xxxx
xxxx
 
xxxx
 
US Citizen
US Citizen
US Citizen
         
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
                                   
Level 4-Stated/Verified as defined
 
Level 5-Stated/Verified as defined
 
Level 1-Not Stated/Not Verified
 
No
No
           
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveEligible
N/A
No
xxxx
0
0
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
Individual
Individual
               
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
           
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
610
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
 
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
1
0
1
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
620
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
630
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
640
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.8
DU
 
ApproveEligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
650
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; WVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
2
1
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
 
7
   
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
660
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.9
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
A
xxxx
xxxx
xxxx
670
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Pension]; Award Letter / Continuance Letter - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
680
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.3
DU
 
ApproveIneligible
N/A
No
xxxx
1
0
0
0
2
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
690
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.8
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
700
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.4
DU
 
ApproveIneligible
N/A
No
xxxx
1
 
1
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
710
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; WVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.1
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
1
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
31
     
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X-500
   
xxxx
720
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.9
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
730
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.9
None
   
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
740
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
750
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveEligible
N/A
No
xxxx
1
0
1
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
760
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
770
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
Yes
No
           
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2026
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.1
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
2
   
xxxx
No
       
360
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
780
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
790
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.6
DU
 
ApproveIneligible
Yes
No
xxxx
2
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
Retail
 
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
800
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
3.1
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
0
0
4
4
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
810
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.4
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
820
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - No Results Returned - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - No Results Returned - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.6
None
   
N/A
No
xxxx
0
0
2
0
3
0
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
830
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
   
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
AE
xxxx
xxxx
xxxx
840
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Sole Proprietor]; Account Statements - Business - 2026
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
AE
xxxx
xxxx
xxxx
850
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; WVOE - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.5
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
Yes
6
     
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
860
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
2.4
DU
 
ApproveIneligible
N/A
No
xxxx
1
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
870
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
Non-Permanent Resident Alien
     
xxxx
   
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
           
VISA
     
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
880
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.3
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
890
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Non-Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveEligible
N/A
No
xxxx
1
2
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
900
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.1
DU
 
ApproveIneligible
N/A
No
xxxx
1
2
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
910
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.5
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
AE
xxxx
xxxx
xxxx
920
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Pension]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.6
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
930
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.2
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
940
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.2
DU
 
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
30
     
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
Other
   
xxxx
950
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
             
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.1
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
960
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2025
[Coborrower(s) -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
970
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
1
2
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
980
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.4
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
990
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.4
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
30
     
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1000
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Social Security]; 1099-SSA - 2025
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.8
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
Yes
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X-500
   
xxxx
1010
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
5.0
DU
 
ApproveIneligible
N/A
No
xxxx
1
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1020
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.2
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
Retail
 
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1030
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.5
DU
 
ApproveIneligible
N/A
No
xxxx
1
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1040
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; WVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.2
DU
 
ApproveIneligible
N/A
No
xxxx
1
 
1
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
31
     
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1050
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1060
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
Non-Permanent Resident Alien
     
xxxx
     
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
               
VISA
       
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1070
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveEligible
N/A
No
xxxx
2
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X-500
   
xxxx
1080
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.9
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1090
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.3
DU
 
ApproveIneligible
N/A
No
xxxx
2
1
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
4
360
X
   
xxxx
1100
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.3
DU
 
ApproveEligible
N/A
No
xxxx
2
 
1
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1110
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.1
DU
 
ApproveIneligible
No
No
xxxx
2
2
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1120
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X*
   
xxxx
1130
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.4
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
1140
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.1
DU
 
ApproveEligible
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
31
     
Yes
Preliminary
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X-500
   
xxxx
1150
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.6
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
   
No
       
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1160
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
1
2
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1170
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 4506-C - 2018
[Borrower]; 4506-C - 2005
[Borrower]; 4506-C - 2004
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
9
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
Retail
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1180
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
31
     
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
1190
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1200
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; WVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.3
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
2
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
30
     
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1210
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.3
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
1220
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Tax Return Extension - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Tax Return Extension - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1230
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - K-1 (< 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; Paystubs - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; W-2 - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; W-2 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
1
1
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
AE
xxxx
xxxx
xxxx
1240
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1250
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
2.5
DU
 
ApproveEligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
31
     
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1260
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - Annuity]; Other - 2026
[Coborrower(s) -  | Non-Primary Income - Annuity]; 1099 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Account Transcripts - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Account Transcripts - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Account Transcripts - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
5.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1270
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.5
DU
 
ApproveIneligible
N/A
No
xxxx
1
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1280
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
1
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1290
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.6
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
4
360
X
   
xxxx
1300
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
 
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1310
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Non-Primary Income - VA Service Related Disability]; Other - 2026
[Borrower -  | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.2
DU
 
ApproveIneligible
N/A
No
xxxx
1
0
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
20
     
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X-500
   
xxxx
1320
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.8
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X*
   
xxxx
1330
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Account Transcripts - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Account Transcripts - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.1
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
AE
xxxx
xxxx
xxxx
1340
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.9
DU
 
ApproveEligible
N/A
No
xxxx
1
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
 
31
   
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1350
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2020
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.1
DU
 
ApproveIneligible
N/A
No
xxxx
1
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1360
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1370
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.6
DU
 
ApproveIneligible
N/A
No
xxxx
1
 
1
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1380
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
32
     
Yes
Preliminary
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1390
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Pension]; Paystubs - 2026
[Borrower -  | Primary Income - Annuity]; Account Statements - 2026
[Borrower -  | Primary Income - Annuity]; Award Letter / Continuance Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.5
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
1
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1400
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Account Statements - 2026
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1410
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.3
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1420
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.1
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1430
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 Transcript - 2024
[Coborrower(s) -  | Primary Income - Wages]; Other - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; WVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveEligible
N/A
No
xxxx
1
1
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
 
8
   
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
1440
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.3
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
1
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
Retail
 
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1450
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveEligible
N/A
No
xxxx
2
 
2
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1460
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Other - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
5.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
1
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1470
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveEligible
N/A
No
xxxx
1
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1480
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower -  | Primary Income - Pension]; 1099-R - 2025
[Coborrower(s) -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1490
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Social Security]; Account Statements - 2026
[Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Account Statements - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.8
DU
 
ApproveEligible
N/A
No
xxxx
0
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individually and as Trustee
Individual
Individually and as Trustee
                   
No
Individually and as Trustee
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1500
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.3
DU
 
ApproveEligible
No
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1510
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.9
DU
 
ApproveIneligible
N/A
No
xxxx
1
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                       
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1520
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
Permanent Resident Alien
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.2
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
31
     
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
               
Resident Alien Card
     
No
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X-500
   
xxxx
1530
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Employer Letter - 2022
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.5
DU
 
ApproveEligible
N/A
No
xxxx
2
2
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1540
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.5
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
4
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
 
No
       
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                 
No
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X-500
   
xxxx
1550
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveEligible
N/A
No
xxxx
1
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1560
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
3.9
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1570
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
1.3
DU
 
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1580
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Other - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; WVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
32
0
   
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1590
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
None
   
N/A
No
xxxx
0
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1600
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.4
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
31
     
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1610
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
Yes
xxxx
xxxx
xxxx
 
xxxx
 
US Citizen
US Citizen
US Citizen
         
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
                                   
Level 3-Stated/Partially Verified
 
Level 5-Stated/Verified as defined
 
Level 1-Not Stated/Not Verified
 
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Non-Primary Income - Wages]; VVOE - 2026
[Borrower -  | Non-Primary Income - Wages]; WVOE - 2026
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - Social Security]; 1099-SSA - 2025
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; 1099-R - 2025
[Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2025
[Coborrower(s) -  | Primary Income - Social Security]; Account Statements - 2026
[Coborrower(s) -  | Primary Income - Social Security]; 1099-SSA - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.3
None
   
N/A
No
xxxx
2
0
2
0
2
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
20
     
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
Individual
Individual
               
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
             
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
D
   
xxxx
1620
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
Yes
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.5
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
3
360
X
   
xxxx
1630
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.9
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
31
31
   
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
Other
   
xxxx
1640
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.5
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1650
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1660
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
1
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1670
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.7
DU
 
ApproveEligible
N/A
No
xxxx
2
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
AE
xxxx
xxxx
xxxx
1680
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.7
DU
 
ApproveIneligible
N/A
No
xxxx
1
 
1
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
Retail
 
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1690
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.1
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
32
     
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1700
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.3
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
1
0
2
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1710
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.7
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
2
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1720
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.1
DU
 
ApproveIneligible
N/A
No
xxxx
2
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1730
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
1.3
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1740
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Other - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
3.8
DU
 
ApproveIneligible
N/A
No
xxxx
1
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
 
32
   
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
Yes
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1750
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
   
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1760
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.1
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1770
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.6
DU
 
ApproveIneligible
Yes
No
xxxx
0
 
1
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1780
xxxx
 
xxxx
     
Yes
No
xxxx
   
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.8
DU
 
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
1
     
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1790
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.5
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
4
360
X
   
xxxx
1800
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
Non-Permanent Resident Alien
     
xxxx
     
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.2
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
               
Resident Alien Card
       
xxxx
Retail
 
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1810
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1820
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveEligible
N/A
No
xxxx
1
1
0
0
3
3
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
   
No
     
xxxx
xxxx
                       
No
No
No
No
1
360
X
   
xxxx
1830
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
2.3
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
2
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1840
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.2
DU
 
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1850
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Sole Proprietor]; Other - 2026
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Primary Income - Sole Proprietor]; W-2 - 2025
[Borrower -  | Primary Income - Sole Proprietor]; W-2 Transcript - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Primary Income - Sole Proprietor]; W-2 Transcript - 2024
[Borrower -  | Primary Income - Sole Proprietor]; W-2 Transcript - 2024
[Borrower -  | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
4.5
DU
 
ApproveIneligible
N/A
No
xxxx
2
0
2
0
2
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1860
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
 
32
   
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
4
360
X
   
xxxx
1870
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.6
DU
 
ApproveIneligible
N/A
No
xxxx
2
1
2
0
3
2
     
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1880
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
         
US Citizen
             
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
3.2
DU
 
ApproveIneligible
N/A
No
xxxx
0
 
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
32
     
Yes
Preliminary
Fee Simple
Individual
Individual
                       
No
Individual
No
 
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                         
xxxx
Retail
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   
xxxx
1890
xxxx
 
xxxx
     
Yes
No
xxxx
xxxx
 
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
       
US Citizen
US Citizen
           
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
         
xxxx
xxxx
xxxx
xxxx
xxxx
                                                     
No
No
           
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2026
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2026
[Borrower -  | Primary Income - Projected Income]; VVOE - 2026
[Borrower -  | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                             
xxxx
xxxx
xxxx
   
xxxx
xxxx
 
xxxx
xxxx
1.0
DU
 
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
2
   
xxxx
No
         
Yes
Mixed
Not Tested
 
xxxx
xxxx
xxxx
No
       
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                   
No
Individual
No
 
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                   
xxxx
 
No
No
     
xxxx
xxxx
                       
No
No
No
No
2
360
X
   



ASF
     
Run Date - 11/2/2026 4:07:27 PM
   

Primary Servicer
Servicing Fee Percentage
Servicing Fee Flat Dollar
Servicing Advance Methodology
Originator
Loan Group
Loan Number
Amortization Type
Lien Position
Heloc Indicator
Loan Purpose
Cash Out Amount
Total Origination and Discount Points in Dollars
Covered High Cost Loan Indicator
Relocation Loan Indicator
Broker Indicator
Channel
Escrow Indicator
Senior Loan Amounts
Loan Type of Most Senior Lien
Hybrid Period of Most Senior Lien in Months
Neg Am Limit of Most Senior Lien
Junior Mortgage Balance
Origination Date of Most Senior Lien
Origination Date
Original Loan Amount
Original Interest Rate
Original Amortization Term
Original Term to Maturity
First Payment Date of Loan
Interest Type Indicator
Original Interest Only Term
Buy Down Period
HELOC Draw Period
Current Loan Amount
Current Interest Rate
Current Payment Amount Due
Interest Paid Through Date
Current Payment Status
Index Type
ARM Look Back Days
Gross Margin
ARM Round Flag
ARM Rounding Factor
Initial Fixed Rate Period
Initial Interest Rate Cap Change Up
Initial Interest Rate Cap Change Down
Subsequent Interest Rate Reset Period
Subsequent Interest Rate Change Down
Subsequent Interest Rate Change Up
Lifetime Maximum Rate Ceiling
Lifetime Minimum Rate Floor
Negative Amortization Limit
Initial Negative Amortization Recast Period
Subsequent Negative Amortization Recast Period
Initial Fixed Payment Period
Subsequent Payment Reset Period
Initial Periodic Payment Cap
Subsequent Periodic Payment Cap
Initial Minimum Payment Reset Period
Subsequent Minimum Payment Reset Period
Option ARM Indicator
Options at Recast
Initial Minimum Payment
Current Minimum Payment
Prepayment Penalty Calculation
Prepayment Penalty Type
Prepayment Penalty Total Term
Prepayment Penalty Hard Term
Primary Borrower ID
Number of Mortgaged Properties
Total Number of Borrowers
Self Employment Flag
Current Other Monthly Payment
Length of Employment Borrower
Length of Employment Co Borrower
Years in Home
FICO Model Used
Most Recent FICO Date
Primary Wage Earner Original FICO Equifax
Primary Wage Earner Original FICO Experian
Primary Wage Earner Original FICO Transunion
Secondary Wage Earner Original FICO Equifax
Secondary Wage Earner Original FICO Experian
Secondary Wage Earner Original FICO Transunion
Most Recent Primary Borrower FICO
Most Recent Co Borrower FICO
Most Recent FICO Method
Vantagescore Primary Borrower
Vantagescore Co Borrower
Most Recent Vantagescore Method
Vantagescore Date
Credit Report Longest Trade Line
Credit Report Maximum Trade Line
Credit Report Number of Trade Lines
Credit Line Usage Ratio
Most Recent 12 Month Pay History
Months Bankruptcy
Months Foreclosure
Primary Borrower Wage Income
Co Borrower Wage Income
Primary Borrower Other Income
Co Borrower Other Income
All Borrower Wage Income
All Borrower Total Income
4506T/C Indicator
Borrower Income Verification Level
Co Borrower Income Verification Level
Borrower Employment Verification Level
Co Borrower Employment Verification Level
Borrower Asset Verification Level
Co Borrower Asset Verification Level
Liquid Cash Reserves
Monthly Debt All Borrowers
Originator DTI
Fully Indexed Rate
Qualification Method
Percentage of Down Payment From Borrower Own Funds
City
State
Postal Code
Property Type
Occupancy
Sales Price
Original Appraised Property Value
Original Property Valuation Type
Original Property Valuation Date
Original Automated Valuation Model AVM Model Name
Original AVM Confidence Score
Most Recent Property Value
Most Recent Property Valuation Type
Most Recent Property Valuation Date
Most Recent AVM Model Name
Most Recent AVM Confidence Score
Original CLTV
Original LTV
Original Pledged Assets
Mortgage Insurance Company Name
Mortgage Insurance Percent
MI Lender or Borrower Paid
Pool Insurance Co Name
Pool Insurance Stop Loss Percent
MI Certificate Number
Updated DTI Front End
Updated DTI Back End
Modification Effective Payment Date
Total Capitalized Amount
Total Deferred Amount
Pre Modification Interest Note Rate
Pre Modification P&I Payment
Pre Modification Initial Interest Rate Change Downward Cap
Pre Modification Subsequent Interest Rate Cap
Pre Modification Next Interest Rate Change Date
Pre Modification IO Term
Forgiven Principal Amount
Forgiven Interest Amount
Number of Modifications
Real Estate Interest
Community Ownership Structure
Year of Manufacture
HUD Code Compliance Indicator Y/N
Gross Manufacturers Invoice Price
LTI Loan to Invoice Gross
Net Manufacturers Invoice Price
LTI Net
Manufacturer Name
Model Name
Down Payment Source
Community Related Party Lender Y/N
Defined Underwriting Criteria Y/N
Chattel Indicator
9999999
XXXX
 
99
 
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
               
XXXX
XXXX
XXXX
 
2
0
0
         
0
                                                         
0
 
1
2
1
XXXX
XXXX
XXXX
 
1
 
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
       
156
XXXX
XXXX
XXXX
XXXXXXXXXXXX
   
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
 
1
XXXX
 
XXXX
 
7
1
 
XXXX
3
 
0
       
0
 
XXXX
XXXX
XXXX
 
XXXX
                                                               
9999999
XXXX
 
99
 
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
0
               
XXXX
XXXX
XXXX
 
2
0
0
         
0
                                                         
0
 
1
2
0
XXXX
XXXX
XXXX
 
1
 
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
       
142
XXXX
XXXX
XXXX
XXXXXXXXXXXX
   
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
1
3
1
4
1
XXXX
XXXX
XXXX
 
1
XXXX
 
XXXX
 
7
1
 
XXXX
3
 
0
       
0
 
XXXX
XXXX
XXXX
 
XXXX
                                                               
9999999
XXXX
 
99
 
UNK
XXXX
1
1
0
6
XXXX
XXXX
0
0
0
1
4
               
XXXX
XXXX
XXXX
 
2
0
0
         
0
                                                         
0
 
1
2
0
XXXX
XXXX
XXXX
 
1
 
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
       
120
XXXX
XXXX
XXXX
XXXXXXXXXXXX
   
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
1
3
1
4
4
XXXX
XXXX
XXXX
 
1
XXXX
 
XXXX
 
1
1
 
XXXX
3
 
0
 
XXXX
9
 
0
 
XXXX
XXXX
XXXX
 
XXXX
                                                               
9999999
XXXX
 
99
 
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
               
XXXX
XXXX
XXXX
 
2
0
0
         
0
                                                         
0
 
1
2
1
XXXX
XXXX
XXXX
 
1
 
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
       
83
XXXX
XXXX
XXXX
XXXXXXXXXXXX
   
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
4
3
3
1
4
1
XXXX
XXXX
XXXX
 
1
XXXX
 
XXXX
 
1
1
 
XXXX
3
 
0
 
XXXX
3
 
0
 
XXXX
XXXX
XXXX
 
XXXX
                                                               
9999999
XXXX
 
99
 
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
               
XXXX
XXXX
XXXX
 
2
0
0
         
0
                                                         
0
 
2
2
0
XXXX
XXXX
XXXX
 
1
 
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
       
226
XXXX
XXXX
XXXX
XXXXXXXXXXXX
   
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
 
1
XXXX
 
XXXX
 
1
1
 
XXXX
3
 
0
       
0
 
XXXX
XXXX
XXXX
 
XXXX
                                                               
9999999
XXXX
 
99
 
UNK
XXXX
1
1
0
6
XXXX
XXXX
0
0
0
1
4
               
XXXX
XXXX
XXXX
 
2
0
0
         
0
                                                         
0
 
1
1
0
XXXX
XXXX
   
1
 
XXXX
XXXX
XXXX
     
XXXX
 
3
       
78
XXXX
XXXX
XXXX
XXXXXXXXXXXX
   
XXXX
 
XXXX
 
XXXX
XXXX
1
5
 
3
 
4
 
XXXX
XXXX
XXXX
 
1
XXXX
 
XXXX
 
1
1
 
XXXX
3
 
0
       
0
 
XXXX
XXXX
XXXX
 
XXXX
                                                               
9999999
XXXX
 
99
 
UNK
XXXX
1
1
0
6
XXXX
XXXX
0
0
0
1
4
               
XXXX
XXXX
XXXX
 
2
0
0
         
0
                                                         
0
 
1
2
1
XXXX
XXXX
XXXX
 
1
 
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
       
93
XXXX
XXXX
XXXX
XXXXXXXXXXXX
   
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
 
1
XXXX
 
XXXX
 
1
1
 
XXXX
3
 
0
 
XXXX
9
 
0
 
XXXX
XXXX
XXXX
 
XXXX
                                                               
9999999
XXXX
 
99
 
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
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