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.3 Schedule 2

 

Marketing ID Loan Number ALT Loan ID Originator Last Name Note Date Original Balance State TPR QM ATR Status Loan Status Exception Date Remediation Status Exception ID Exception Type Exception Category Exceptions Exception Rebuttal Exception Rebuttal Date Exception Rebuttal Response Exception Rebuttal Response Date Compensating Factors Initial Overall Loan Grade Final Overall Loan Grade Initial Exception Grade Final Exception Grade Initial Credit Grade Final Credit Grade Initial Property Valuation Grade Final Property Valuation Grade Initial Compliance Grade Final Compliance Grade Initial Overall Grade (DBRS/Morningstar) Initial Credit Grade (DBRS/Morningstar) Initial Property Valuation Grade (DBRS/Morningstar) Initial Compliance Grade (DBRS/Morningstar) Initial Overall Grade (Fitch) Initial Credit Grade (Fitch) Initial Property Valuation Grade (Fitch) Initial Compliance Grade (Fitch) Initial Overall Grade (Kroll) Initial Credit Grade (Kroll) Initial Property Valuation Grade (Kroll) Initial Compliance Grade (Kroll) Initial Overall Grade (Moodys) Initial Credit Grade (Moodys) Initial Property Valuation Grade (Moodys) Initial Compliance Grade (Moodys) Initial Overall Grade (S&P) Initial Credit Grade (S&P) Initial Property Valuation Grade (S&P) Initial Compliance Grade (S&P) Final Overall Grade (DBRS/Morningstar) Final Credit Grade (DBRS/Morningstar) Final Property Grade (DBRS/Morningstar) Final Compliance Grade (DBRS/Morningstar) Final Overall Grade (Fitch) Final Credit Grade (Fitch) Final Property Grade (Fitch) Final Compliance Grade (Fitch) Final Overall Grade (Kroll) Final Credit Grade (Kroll) Final Property Grade (Kroll) Final Compliance Grade (Kroll) Final Overall Grade (Moodys) Final Credit Grade (Moodys) Final Property Grade (Moodys) Final Compliance Grade (Moodys) Final Overall Grade (S&P) Final Credit Grade (S&P) Final Property Grade (S&P) Final Compliance Grade (S&P)
834 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/26/2025 Resolved FCRE0377 Credit The Total Hazard Coverage is LESS than the Required Coverage Amount The hazard insurance dwelling coverage of ($XX) is insufficient, not meeting the required coverage amount of ($XX). Document Uploaded. Please see LOE from HOI agent showing 25% extended coverage which puts coverage over loan amount.  ; Document Uploaded.  08/29/2025 The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; LOX from the insurance agent indicates 25% additional limit to dwelling coverage is included. Hazard insurance is sufficient. ; Hazard insurance provided indicates an additional limit total loss to dwelling, it does specify the additional limit amount, unable to verify if additional limit to dwelling is sufficient to cover loan amount of $XX 09/03/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 12.99 years on job.		 C B C A C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
834 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/26/2025 Acknowledged FCRE1193 Credit Audited DTI Exceeds Guideline DTI Audited DTI of 51.8% exceeds Guideline DTI of 50% DTI: Audit Total All Monthly Payments of $17,415.94 - $16,739.94 Final 1008 = $676.  This amount matches the XX liability that the Lender only provided 5 months bank statements XX #XX pages 264-286. Audit cannot exclude liability without 12 months asset statements or cancelled checks per NQMF guidelines dated 1.30.25 page 76.  Document Uploaded. Please see the attached exception. 09/02/2025 Received approved lender exception to exclude XX/ATW – this is paid by the business but only have evidence of 5 months dues to the account being opened 12/2024.  Compensating factors; 3 months reserves greater than the program requirement; 6 months reserves greater than program requirement; borrower contribution exceeds program requirement by >=5%; FICO 20+ points greater than program requirement; 5 years in current job; VOR/VOM 0x30x24; LTV is 10% below the maximum per the matrix.  09/03/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 12.99 years on job.		 C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
834 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/26/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 12.99 years on job.		 C B A A C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
834 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/27/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 12.99 years on job.		 C B A A C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
835 XX XX XX XX XX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/07/2025 Resolved FCOM1231 Credit The Initial 1003 is Missing The Initial 1003 is Missing The file does not contain a copy of the initial 1003.  Document Uploaded.  08/13/2025 The Initial 1003 is Present; Initial 1003 application provided.  08/18/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 75%

Borrower has stable job time - Borrower has 25.76 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640

Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75%		 D A D A D A C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
835 XX XX XX XX XX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/07/2025 Resolved FCRE5782 Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit report dated within 30 days of the note date.  Document Uploaded.  08/13/2025 Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within 30 days of closing received.  08/18/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 75%

Borrower has stable job time - Borrower has 25.76 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640

Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75%		 D A D A D A C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
835 XX XX XX XX XX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/07/2025 Resolved FCRE0360 Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The file does not have verification of the pre-sale rent payments for April, May, and June. There is a purchase agreement addendum indicating the rent is $9,000.00, but no evidence that those rent payments were made.  Document Uploaded.  08/13/2025 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Received May and June rent payments, per LOX from lender, the borrower resided at previous residence in April.  08/18/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 75%

Borrower has stable job time - Borrower has 25.76 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640

Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75%		 D A C A D A C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
835 XX XX XX XX XX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/07/2025 Resolved FPRO1137 Property The appraiser was not licensed (Primary Value) Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date The Appraisal is Signed by XX who does have a license in the state of SC license number XX. But the license number listed and the copy of the appraisal license provided belongs to a XX. The appraisal should be updated to reflect the correct license number for the appraiser and a copy of XX Appraisal license should be provided.  Document Uploaded.  08/15/2025 Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided; Revised appraisal and UCDPs provided showing appraiser as XX.  Updated system with correct appraiser name and licensing information.  08/18/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 75%

Borrower has stable job time - Borrower has 25.76 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640

Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75%		 D A C A D A C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
835 XX XX XX XX XX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/05/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 75%

Borrower has stable job time - Borrower has 25.76 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640

Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75%		 D A A A D A C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
833 XX XX XX XX XX LA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/22/2025 Resolved FCRE5782 Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing Gap or undisclosed monitoring report within 30 days of closing is missing Document Uploaded.  07/28/2025 Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within 30 days of closing received.  07/31/2025 Qualifying DTI below max allowed. - Calculated DTI of 31.15% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 17.35 years on job.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
833 XX XX XX XX XX LA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/23/2025 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test HPML compliant This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant 07/23/2025 Qualifying DTI below max allowed. - Calculated DTI of 31.15% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 17.35 years on job.		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
833 XX XX XX XX XX LA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/22/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying DTI below max allowed. - Calculated DTI of 31.15% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 17.35 years on job.		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
874 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/19/2026 Acknowledged FPRO9990 Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Property valuation 2 did not support within 10% variance. Valuation 3 supports original appraised value. 01/19/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75%

Borrower has stable job time - Borrower has 5.08 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%		 C B B B C A B B A A C C B A C C B A C C B A C C B A C C B A B A B A B A B A B A B A B A B A B A B A
874 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 09/17/2025 Resolved FCRE0377 Credit The Total Hazard Coverage is LESS than the Required Coverage Amount The hazard insurance dwelling coverage of ($XX) is insufficient, not meeting the required coverage amount of ($XX). The Replacement cost estimator has a value of $XX and the coverage amount on the policy is $XX, which is less than the loan amount of $XX Document Uploaded.  10/09/2025 The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; According to email from lender hazard insurance policy has an additional coverage of $XX, including the dwelling coverage of $XX for a total coverage of $XX which covers the loan amount of $XX. 10/13/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75%

Borrower has stable job time - Borrower has 5.08 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%		 C B C A C A B B A A C C B A C C B A C C B A C C B A C C B A B A B A B A B A B A B A B A B A B A B A
874 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 09/17/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75%

Borrower has stable job time - Borrower has 5.08 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%		 C B A A C A B B A A C C B A C C B A C C B A C C B A C C B A B A B A B A B A B A B A B A B A B A B A
876 XX XX XX XX XX UT Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/17/2025 Cured finding-651 Compliance TILA Finance Charge Test This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $1,295,046.41. The disclosed finance charge of $1,294,620.11 is not considered accurate because it is understated by more than $100. TILA 130b Cure Required due to Finance Charge under-disclosure.  Refund in the amount of $426.30; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. Finance charges included are: Underwriting Fee $1,295.00, Processing Fee $795.00, Loan Origination Fee $12,881.16, Flood Cert $25.00, CPL $25.00, Settlement Fee $575.00, Title Courier Fee $35.00, Prepaid Interest $3,166.50. Document Uploaded.  10/23/2025 Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B 11/04/2025 Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 27.79 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 D B C B D A A A C B D D A C D D A C D D A C D D A C D D A C B A A B B A A B B A A B B A A B B A A B
876 XX XX XX XX XX UT Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/17/2025 Resolved FCRE5782 Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing The file does not contain a copy of a Gap Credit Report dated within 30 days of the Note date.  Document Uploaded.  10/23/2025 Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within 30 days of closing indicates no credit history changes. 10/27/2025 Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 27.79 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 D B D A D A A A C B D D A C D D A C D D A C D D A C D D A C B A A B B A A B B A A B B A A B B A A B
876 XX XX XX XX XX UT Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/20/2025 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Document Uploaded.  10/23/2025 Required Affiliated Business Disclosure Documentation Provided 10/27/2025 Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 27.79 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 D B B A D A A A C B D D A C D D A C D D A C D D A C D D A C B A A B B A A B B A A B B A A B B A A B
876 XX XX XX XX XX UT Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/20/2025 Resolved finding-3532 Compliance Initial Closing Disclosure Delivery Date Test Documentation required; the file is missing evidence that the borrower received or acknowledged receipt of an initial CD at least 3 business days prior to consummation.  This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either's First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(I) no later than three business days before consummation. Document Uploaded.  10/23/2025 Initial CD provided; Exception resolved; Initial CD provided; Exception resolved 10/27/2025 Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 27.79 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 D B C A D A A A C B D D A C D D A C D D A C D D A C D D A C B A A B B A A B B A A B B A A B B A A B
876 XX XX XX XX XX UT Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/17/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 27.79 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 D B A A D A A A C B D D A C D D A C D D A C D D A C D D A C B A A B B A A B B A A B B A A B B A A B
829 XX XX XX XX XX GA ATR/QM: Exempt Loan Review Complete 10/22/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying DTI below max allowed. - Calculated DTI of 10.18% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 9.71 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
829 XX XX XX XX XX GA ATR/QM: Exempt Loan Review Complete 10/22/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying DTI below max allowed. - Calculated DTI of 10.18% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 9.71 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
829 XX XX XX XX XX GA ATR/QM: Exempt Loan Review Complete 10/22/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying DTI below max allowed. - Calculated DTI of 10.18% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 9.71 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
827 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/22/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Borrower has stable job time - Borrower has 3.39 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 4.27% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 795 is greater than Guideline minimum FICO of 760		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
827 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/23/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Borrower has stable job time - Borrower has 3.39 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 4.27% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 795 is greater than Guideline minimum FICO of 760		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
827 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/23/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Borrower has stable job time - Borrower has 3.39 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 4.27% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 795 is greater than Guideline minimum FICO of 760		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
831 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/22/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Original LTV is Below the Guideline Maximum - Calculated LTV of 57.01% is less than Guideline LTV of 80%

Borrower has stable job time - Borrower has 8.86 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.01% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 680		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
831 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/23/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original LTV is Below the Guideline Maximum - Calculated LTV of 57.01% is less than Guideline LTV of 80%

Borrower has stable job time - Borrower has 8.86 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.01% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 680		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
831 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/23/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original LTV is Below the Guideline Maximum - Calculated LTV of 57.01% is less than Guideline LTV of 80%

Borrower has stable job time - Borrower has 8.86 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.01% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 680		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
872 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/22/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 771 is greater than Guideline minimum FICO of 680

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Borrower has stable job time - Borrower has 4.38 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 39.65% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
872 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/24/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 771 is greater than Guideline minimum FICO of 680

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Borrower has stable job time - Borrower has 4.38 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 39.65% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
872 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/24/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 771 is greater than Guideline minimum FICO of 680

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Borrower has stable job time - Borrower has 4.38 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 39.65% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
880 XX XX XX XX XX WA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/22/2025 Resolved FCOM1266 Compliance Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing Documentation Required- Homeownership Counseling Organizations Disclosure dated within three business days of the application date of 08/XX/2025. Document Uploaded.  10/31/2025 Homeownership Counseling Disclosure Is Present or Not Applicable 11/06/2025 Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.3 years on job.		 D A B A D A A A B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
880 XX XX XX XX XX WA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/22/2025 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure or privacy policy verifying Lender does not have affiliates. Document Uploaded. ; Document Uploaded. ; Document Uploaded.  11/04/2025 Required Affiliated Business Disclosure Documentation Provided; Affiliated provided was for the title company, provide an Affiliated Business Disclosure or attestation showing the lender does not have affiliates or did not refer business to an affiliate; Document provided appears to be a search of affiliated business for the borrower; provide an Affiliated Business Disclosure or attestation showing the lender does not have affiliates or did not refer business to an affiliate 11/06/2025 Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.3 years on job.		 D A B A D A A A B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
880 XX XX XX XX XX WA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/24/2025 Resolved FCRE9995 Credit Audited Reserves are less than Guideline Required Reserves (Dollar Amount) Audited Reserves of $23168.32 are less than Guideline Required Reserves of $26271.78. Please provide asset statements showing sufficient reserves required per guidelines. Document Uploaded. Acct XX has more than 6k in the account, Please recalculate ; Document Uploaded.  10/30/2025 Audited Reserves of $28517.33 are equal to or greater than AUS Required Reserves of $26271.78.; Updated asset statement for acct #0813 indicates a balance of $6349.40.  Assets are sufficient for reserves. ; Verified assets of $108,758.71 ($1,000.39 #XX; $102,009.04 #XX; $5,749.29 #XX) are not sufficient for funds to close of $85,590.40 (per final CD) and 6 months reserves of $26,271.78. Assets are short by $3,103.45 for reserves.  10/31/2025 Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.3 years on job.		 D A C A D A A A B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
880 XX XX XX XX XX WA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/24/2025 Resolved FCRE1198 Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) Please provide asset statements showing sufficient reserves required per guidelines. Document Uploaded. Acct XX has more than 6k in the account, Please recalculate ; Document Uploaded.  10/30/2025 Audited Reserves of 6.51 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s); Updated asset statement for acct #0813 indicates a balance of $6349.40.  Assets are sufficient for reserves. ; Verified assets of $108,758.71 ($1,000.39 #XX; $102,009.04 #XX; $5,749.29 #XX) are not sufficient for funds to close of $85,590.40 (per final CD) and 6 months reserves of $26,271.78. Assets are short by $3,103.45 for reserves.  10/31/2025 Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.3 years on job.		 D A C A D A A A B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
880 XX XX XX XX XX WA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/24/2025 Resolved FCRE3843 Credit Guideline Seasoning not Met  The required number of months reserves are to be seasoned does not meet Guideline requirement. Please provide asset statements showing enough to cover required reserves of 6 months. Document Uploaded. Acct XX has more than 6k in the account, Please recalculate ; Document Uploaded.  10/30/2025 The required number of months reserves are to be seasoned does meet Guideline requirement.; Updated asset statement for acct #0813 indicates a balance of $6349.40.  Assets are sufficient for reserves. ; Verified assets of $108,758.71 ($1,000.39 #XX; $102,009.04 #XX; $5,749.29 #XX) are not sufficient for funds to close of $85,590.40 (per final CD) and 6 months reserves of $26,271.78. Assets are short by $3,103.45 for reserves.  10/31/2025 Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.3 years on job.		 D A D A D A A A B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
880 XX XX XX XX XX WA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/24/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.3 years on job.		 D A A A D A A A B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
879 XX XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/23/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%

Qualifying DTI below max allowed. - Calculated DTI of 18.35% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 29.25 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
879 XX XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/24/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%

Qualifying DTI below max allowed. - Calculated DTI of 18.35% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 29.25 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
879 XX XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/24/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%

Qualifying DTI below max allowed. - Calculated DTI of 18.35% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 29.25 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
850 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/27/2025 Resolved FCRE1440 Credit Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements Guidelines, dated 09/XX/2025, required a 12 month housing history. The Borrower is currently renting and for 9 months per the final 1003 and only 5 months of rent checks were in file. Missing full rental verification.  Document Uploaded.  10/29/2025 Housing History Meets Guideline Requirements; An updated 1003 application provided indicates borrower is renting for 5 months. Five months canceled checks provided.   10/30/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70%		 D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
850 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/27/2025 Resolved FCRE0360 Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Guidelines, dated 09/XX/2025, required a 12 month housing history. The Borrower is currently renting and for 9 months per the final 1003 and only 5 months of rent checks were in file. Missing full rental verification.  Document Uploaded.  10/29/2025 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; An updated 1003 application provided indicates borrower is renting for 5 months. Five months canceled checks provided.   10/30/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70%		 D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
850 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/27/2025 Resolved FCRE3978 Credit Missing Letter of Explanation (Credit) Missing letter of explanation regarding credit inquiries within 90 days of the Note date, per guidelines, dated 09/XX/2025. Document Uploaded.  10/29/2025 Explanation of credit inquiry was received.
10/30/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70%		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
850 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/27/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70%		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
850 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/27/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70%		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
843 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/31/2025 Resolved finding-3634 Compliance Charges That Cannot Increase Test TILA 130b Cure Required.  Refund in the amount of $125.00, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $125.00 is due to the increase in origination compensation. It appears to be due to the increase in loan amount however the date the loan amount was requested to be increased was not provided TILA 130b Cure Required.  Refund in the amount of $125.00, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $125.00 is due to the increase in origination compensation. It appears to be due to the increase in loan amount however the date the loan amount was requested to be increased was not provided This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $125.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $125.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). Document Uploaded.  Document Uploaded.  Document Uploaded.  Valid COC provided; exception resolved Valid COC provided; exception resolved 11/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is greater than Guideline minimum FICO of 680

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 6.53 years on job.		 D A C A A A A A D A D A A D D A A D D A A D D A A D D A A D A A A A A A A A A A A A A A A A A A A A
843 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/24/2025 Resolved FCOM8227 Compliance TRID: Missing Loan Estimate Documentation Required:
The file is missing the Initial LE dated within 3 business days of application. 		 Document Uploaded.  10/29/2025 Initial LE provided; exception resolved 10/31/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is greater than Guideline minimum FICO of 680

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 6.53 years on job.		 D A D A A A A A D A D A A D D A A D D A A D D A A D D A A D A A A A A A A A A A A A A A A A A A A A
843 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/27/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is greater than Guideline minimum FICO of 680

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 6.53 years on job.		 D A A A A A A A D A D A A D D A A D D A A D D A A D D A A D A A A A A A A A A A A A A A A A A A A A
843 XX XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/27/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is greater than Guideline minimum FICO of 680

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 6.53 years on job.		 D A A A A A A A D A D A A D D A A D D A A D D A A D D A A D A A A A A A A A A A A A A A A A A A A A
877 XX XX XX XX XX CT ATR/QM: Exempt Loan Review Complete 10/28/2025 Resolved FCRE5782 Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit Report dated within 30 days of the Note date.  Document Uploaded.  11/04/2025 Borrower 1 Gap Credit Report is not missing. 11/04/2025 Borrower has stable job time - Borrower has 6.57 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 660

Qualifying DTI below max allowed. - Calculated DTI of 37.2% is less than Guideline DTI of 50%		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
877 XX XX XX XX XX CT ATR/QM: Exempt Loan Review Complete 10/28/2025 Resolved FCRE5783 Credit Borrower 2 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit Report dated within 30 days of the Note date.  Document Uploaded.  11/04/2025 Borrower 2 Gap Credit Report is not missing. 11/04/2025 Borrower has stable job time - Borrower has 6.57 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 660

Qualifying DTI below max allowed. - Calculated DTI of 37.2% is less than Guideline DTI of 50%		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
877 XX XX XX XX XX CT ATR/QM: Exempt Loan Review Complete 10/28/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Borrower has stable job time - Borrower has 6.57 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 660

Qualifying DTI below max allowed. - Calculated DTI of 37.2% is less than Guideline DTI of 50%		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
845 XX XX XX XX XX NJ Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Borrower has stable job time - Borrower has 8.73 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 37.24% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
845 XX XX XX XX XX NJ Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Borrower has stable job time - Borrower has 8.73 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 37.24% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
845 XX XX XX XX XX NJ Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/29/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Borrower has stable job time - Borrower has 8.73 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 37.24% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
881 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved finding-3526 Compliance Revised Loan Estimate Delivery Date Test (prior to consummation) This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either's First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(I) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(I). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(I) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(I) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation required to clear exception:  Proof of delivery/receipt of Revised LE dated 10/9/2025 at least 6 days prior to closing.  Document Uploaded.  11/05/2025 Revised LE provided; Exception resolve; Revised LE provided; Exception resolve 11/06/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
881 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant - escrowed and appraisal delivered within 3 business days of closing HPML compliant 11/06/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
881 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
881 XX XX XX XX XX MI Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
841 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 720

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
841 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 720

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
841 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 720

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
878 XX XX XX XX XX MO Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/29/2025 Resolved FCRE5782 Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within 30 days of closing. Please provide Gap Credit Report. Document Uploaded.  10/31/2025 Borrower 1 Gap Credit Report is not missing.; A preclose credit report dated within 30 days of closing indicates no credit history changes. 11/03/2025 Borrower has stable job time - Borrower has 3.79 years on job. D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
878 XX XX XX XX XX MO Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/28/2025 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant HPML compliant 10/30/2025 Borrower has stable job time - Borrower has 3.79 years on job. D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
878 XX XX XX XX XX MO Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/29/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Borrower has stable job time - Borrower has 3.79 years on job. D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
849 XX XX XX XX XX NC Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/30/2025 Resolved FCOM3849 Compliance Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.  The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR  1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/XX/2025 Document Uploaded.  11/03/2025 Evidence of appraisal delivery provided. 11/03/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of 53.14% is less than Guideline LTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.14% is less than Guideline CLTV of 65%		 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
849 XX XX XX XX XX NC Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/30/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original LTV is Below the Guideline Maximum - Calculated LTV of 53.14% is less than Guideline LTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.14% is less than Guideline CLTV of 65%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
849 XX XX XX XX XX NC Non-QM: Lender documented all ATR UW factors Loan Review Complete 10/30/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original LTV is Below the Guideline Maximum - Calculated LTV of 53.14% is less than Guideline LTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.14% is less than Guideline CLTV of 65%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
847 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/03/2025 Resolved finding-47 Compliance TILA Right of Rescission Test This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation required: The loan funding date is before the third business day following consummation. Provide documentation showing evidence that the funding date did not occur less than 3 business days after consummation date 10/XX/2025, may cure the violation. Document Uploaded.  11/06/2025 PCCD provided; Exception resolved; PCCD provided; Exception resolved 11/08/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.22% is less than Guideline CLTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 65%		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
847 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.22% is less than Guideline CLTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 65%		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
847 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.22% is less than Guideline CLTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700

Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 65%		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
828 XX XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/05/2025 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before 9/XX/25. Document Uploaded.  11/07/2025 Evidence of eConsent is provided.; e-consent received  11/07/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 660 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
828 XX XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 660 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
828 XX XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 660 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
844 XX XX XX XX XX VA Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/05/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
844 XX XX XX XX XX VA Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
844 XX XX XX XX XX VA Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
842 XX XX XX XX XX MN Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/07/2025 Acknowledged FPRO9990 Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided 11/07/2025 AVM not within 10% variance of primary valuation.  Property grade B; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM received; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM received; Document Uploaded. ;  01/23/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 660

Qualifying DTI below max allowed. - Calculated DTI of 37.31% is less than Guideline DTI of 50%		 C B C B A A C B A A C A C A C A C A C A C A C A C A C A C A B A B A B A B A B A B A B A B A B A B A
842 XX XX XX XX XX MN Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/06/2025 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test HPML with established escrows and appraisal requirements met.  This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant 11/10/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 660

Qualifying DTI below max allowed. - Calculated DTI of 37.31% is less than Guideline DTI of 50%		 C B A A A A C B A A C A C A C A C A C A C A C A C A C A C A B A B A B A B A B A B A B A B A B A B A
842 XX XX XX XX XX MN Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/07/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 660

Qualifying DTI below max allowed. - Calculated DTI of 37.31% is less than Guideline DTI of 50%		 C B A A A A C B A A C A C A C A C A C A C A C A C A C A C A B A B A B A B A B A B A B A B A B A B A
846 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/10/2025 Resolved finding-47 Compliance TILA Right of Rescission Test This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Loan disbursed on 11/XX/2025 per final CD, and the right of rescission was signed on 10/XX/2025.  Disbursement occurred prior to the third business day after consummation.  In order to cure, rescission needs to be re-opened and a PCCD, LOE, and proof of delivery is required.  Documentation to verify actual disbursement date may also cure violation. Document Uploaded.  11/14/2025 PCCD provided; exception resolved; PCCD provided; exception resolved 11/17/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of 56.58% is less than Guideline LTV of 70%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.58% is less than Guideline CLTV of 70%		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
846 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/11/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original LTV is Below the Guideline Maximum - Calculated LTV of 56.58% is less than Guideline LTV of 70%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.58% is less than Guideline CLTV of 70%		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
846 XX XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/11/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original LTV is Below the Guideline Maximum - Calculated LTV of 56.58% is less than Guideline LTV of 70%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.58% is less than Guideline CLTV of 70%		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
832 XX XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/11/2025 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. Documentation required.  Missing proof of e-consent dated 10/XX/2025 or before.  Document Uploaded.  11/14/2025 Evidence of eConsent is provided. 11/14/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 75%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 28.72% is less than Guideline DTI of 43%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700		 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
832 XX XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/13/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 75%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 28.72% is less than Guideline DTI of 43%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
832 XX XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/13/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 75%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 28.72% is less than Guideline DTI of 43%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
830 XX XX XX XX XX MD Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/13/2025 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature 10/XX/2025. Document Uploaded.  11/17/2025 Evidence of eConsent is provided.; Received E-consent 11/21/2025 Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%

Borrower has stable job time - Borrower has 7.22 years on job.		 C B B A C B C B C A C C C C C C C C C C C C C C C C C C C C B B B A B B B A B B B A B B B A B B B A
830 XX XX XX XX XX MD Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/14/2025 Acknowledged FCRE1194 Credit Audited LTV Exceeds Guideline LTV Audited LTV of 75% exceeds Guideline LTV of 70% Per the Super Jumbo Matrix dated 9/XX/2025, the max LTV is 70%.  Exception provided: Subject in greater XX area and not considered rural. LTV exception approved. Acreage is acceptable and normal for the market. Comp factors: DTI > below program requirement, high discretionary income, 6 mos. reserves or greater, 5 Yrs in current job, COR 0x30 in 24 mos. 40 mos post closing reserves. Approved.
 11/21/2025 Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%

Borrower has stable job time - Borrower has 7.22 years on job.		 C B C B C B C B C A C C C C C C C C C C C C C C C C C C C C B B B A B B B A B B B A B B B A B B B A
830 XX XX XX XX XX MD Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/14/2025 Acknowledged FCRE1196 Credit Audited HCLTV Exceeds Guideline HCLTV Audited HLTV of 75% exceeds Guideline HCLTV of 70% Per the Super Jumbo Matrix dated 9/XX/2025, the max LTV is 70%.  Exception provided: Subject in greater XX area and not considered rural. LTV exception approved. Acreage is acceptable and normal for the market. Comp factors: DTI > below program requirement, high discretionary income, 6 mos. reserves or greater, 5 Yrs in current job, COR 0x30 in 24 mos. 40 mos post closing reserves. Approved.
 11/21/2025 Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%

Borrower has stable job time - Borrower has 7.22 years on job.		 C B C B C B C B C A C C C C C C C C C C C C C C C C C C C C B B B A B B B A B B B A B B B A B B B A
830 XX XX XX XX XX MD Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/14/2025 Acknowledged FCRE1195 Credit Audited CLTV Exceeds Guideline CLTV Audited CLTV of 75% exceeds Guideline CLTV of 70% Per the Super Jumbo Matrix dated 9/XX/2025, the max LTV is 70%.  Exception provided: Subject in greater XX area and not considered rural. LTV exception approved. Acreage is acceptable and normal for the market. Comp factors: DTI > below program requirement, high discretionary income, 6 mos. reserves or greater, 5 Yrs in current job, COR 0x30 in 24 mos. 40 mos post closing reserves. Approved.
 11/21/2025 Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%

Borrower has stable job time - Borrower has 7.22 years on job.		 C B C B C B C B C A C C C C C C C C C C C C C C C C C C C C B B B A B B B A B B B A B B B A B B B A
830 XX XX XX XX XX MD Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/14/2025 Acknowledged FPRO3678 Property Property Issue(s) are Present One or more issues or defects with the property have been discovered. Property identified as rural on XX acres. Per the Guidelines Rural properties are not allowed and acreage is limited to XX acres.  Document Uploaded.  11/19/2025 Exception provided: Acreage is acceptable and normal for the market. Comp factors: DTI > below program requirement, high discretionary income, 6 mos reserves or greater, 5 Yrs in current job, COR 0x30 in 24 mos. Approved.  11/21/2025 Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%

Borrower has stable job time - Borrower has 7.22 years on job.		 C B C B C B C B C A C C C C C C C C C C C C C C C C C C C C B B B A B B B A B B B A B B B A B B B A
836 XX XX XX XX XX MD Non-QM: Lender documented all ATR UW factors Loan Review Complete 11/13/2025 Resolved finding-3634 Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,412.69.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). TILA 130b Cure Required.  Refund in the amount of $3,412.69; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $3412.69 is due to increase from $0 to $1699.99 Admin fee from LE 9/XX/2025 to LE 10/XX/2025, $0 to $200 Funding fee from LE 9/XX/2025 to LE 10/XX/2025, 2nd appraisal fee from 9/XX/2025 to FCD 11/XX/2025, credit report fee $150 to $162.7 from LE 9/XX/2025 to LE 10/XX/2025.  A COC is required to determine if this was a valid change.

 Document Uploaded.  11/17/2025 Valid COC provided; exception resolved; Valid COC provided; exception resolved 11/19/2025 Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%

Borrower has stable job time - Borrower has 7.22 years on job.		 C B C A C B C B C A C C C C C C C C C C C C C C C C C C C C B B B A B B B A B B B A B B B A B B B A
836 XX   XX XX XX XX FL ATR/QM Exempt Loan Review Complete 08/19/2025 Acknowledged 9853376104 Property Missing, Inadequate, or Incomplete Project Document Missing evidence validating that STR's are permitted in the property subject's location. Rental listing in file reflects property is being used as a short term rental. XX: Exception waiver uploaded  08/29/2025 XX: Receive exception approval  08/29/2025 6 months reserves greater than program requirement, VOR 0x30 in 24 months  D B D B C B D B N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B B N/A B B B N/A B B B N/A B B B N/A B B B N/A
836 XX   XX XX XX XX FL ATR/QM Exempt Loan Review Complete 08/19/2025 Acknowledged 9853671940 Credit DSCR Minimum Not Met 0.96 < 1.00 minimum DSCR for STR Investor DSCR Program. $3,141.75 gross rents / $3,274.59 PITIA = 0.96 DSCR XX: Exception waiver uploaded 08/21/2025 XX: Exception waiver received 08/21/2025 6 months reserves greater than program requirement, VOR 0x30 in 24 months  D B C B C B D B N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B B N/A B B B N/A B B B N/A B B B N/A B B B N/A
836 XX   XX XX XX XX FL ATR/QM Exempt Loan Review Complete 08/19/2025 Acknowledged 9853674313 Property Ineligible Property Short Term Rentals are not permitted for No Ratio Programs XX: Exception waiver uploaded  08/29/2025 XX: Received exception approval  08/29/2025 6 months reserves greater than program requirement, VOR 0x30 in 24 months  D B C B C B D B N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B B N/A B B B N/A B B B N/A B B B N/A B B B N/A
873 XX   XX XX XX XX NJ ATR/QM Exempt Loan Review Complete 08/28/2025 Resolved 92400186263-01 Credit No Credit Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
840 XX   XX XX XX XX CA ATR/QM Exempt Loan Review Complete 10/20/2025 Resolved 18227259350 Credit Title Insurance Missing or Defective Provided Title Preliminary Policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated Title Insurance to meet guideline requirements.  XX: Title uploaded  10/21/2025 XX: Received title  10/21/2025   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
840 XX   XX XX XX XX CA ATR/QM Exempt Loan Review Complete 10/20/2025 Resolved 18227318564 Credit Subject Property Lease - Missing or Defective Missing Lease Agreement for subject property located at: XX XX: Lease uploaded  10/21/2025 XX: Received Lease 10/21/2025   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
875 XX   XX XX XX XX CA ATR/QM Exempt Loan Review Complete 10/21/2025 Resolved 92400191542-01 Credit No Credit Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
882 XX   XX XX XX XX PA ATR/QM Exempt Loan Review Complete 10/27/2025 Resolved 92400194968-01 Credit No Credit Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
866 XX XX XX XX XX XX TX ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
866 XX XX XX XX XX XX TX ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
866 XX XX XX XX XX XX TX ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
860 XX XX XX XX XX XX TN ATR/QM: Exempt Loan Review Complete 10/10/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
860 XX XX XX XX XX XX TN ATR/QM: Exempt Loan Review Complete 10/10/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
860 XX XX XX XX XX XX TN ATR/QM: Exempt Loan Review Complete 10/10/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
868 XX XX XX XX XX XX AZ ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
868 XX XX XX XX XX XX AZ ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
868 XX XX XX XX XX XX AZ ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
867 XX XX XX XX XX XX SC ATR/QM: Exempt Loan Review Complete 10/10/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
867 XX XX XX XX XX XX SC ATR/QM: Exempt Loan Review Complete 10/10/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
867 XX XX XX XX XX XX SC ATR/QM: Exempt Loan Review Complete 10/10/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
865 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
865 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
865 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
853 XX XX XX XX XX XX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 10/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 740

Qualifying DTI below max allowed. - Calculated DTI of 24.75% is less than Guideline DTI of 50%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.19% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 29.19% is less than Guideline LTV of 90%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
853 XX XX XX XX XX XX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 10/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 740

Qualifying DTI below max allowed. - Calculated DTI of 24.75% is less than Guideline DTI of 50%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.19% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 29.19% is less than Guideline LTV of 90%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
853 XX XX XX XX XX XX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 10/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 740

Qualifying DTI below max allowed. - Calculated DTI of 24.75% is less than Guideline DTI of 50%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.19% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 29.19% is less than Guideline LTV of 90%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
857 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
857 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
857 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
858 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.34% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 55.34% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
858 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.34% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 55.34% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
858 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.34% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 55.34% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
863 XX XX XX XX XX XX VA ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
863 XX XX XX XX XX XX VA ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
863 XX XX XX XX XX XX VA ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
870 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
870 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
870 XX XX XX XX XX XX FL ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
869 XX XX XX XX XX XX AR ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
869 XX XX XX XX XX XX AR ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
869 XX XX XX XX XX XX AR ATR/QM: Exempt Loan Review Complete 10/08/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
851 XX XX XX XX XX XX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 10/14/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 8.86 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
851 XX XX XX XX XX XX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 10/14/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 8.86 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
851 XX XX XX XX XX XX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 10/14/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 8.86 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
852 XX XX XX XX XX XX UT ATR/QM: CDFI Lender Exempt Loan Review Complete 10/07/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 740

Qualifying DTI below max allowed. - Calculated DTI of 39.04% is less than Guideline DTI of 55%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.18% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 18.18% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
852 XX XX XX XX XX XX UT ATR/QM: CDFI Lender Exempt Loan Review Complete 10/07/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 740

Qualifying DTI below max allowed. - Calculated DTI of 39.04% is less than Guideline DTI of 55%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.18% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 18.18% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
852 XX XX XX XX XX XX UT ATR/QM: CDFI Lender Exempt Loan Review Complete 10/07/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 740

Qualifying DTI below max allowed. - Calculated DTI of 39.04% is less than Guideline DTI of 55%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.18% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 18.18% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
861 XX XX XX XX XX XX MI ATR/QM: Exempt Loan Review Complete 10/13/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 811 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
861 XX XX XX XX XX XX MI ATR/QM: Exempt Loan Review Complete 10/13/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 811 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
861 XX XX XX XX XX XX MI ATR/QM: Exempt Loan Review Complete 10/13/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 811 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
859 XX XX XX XX XX XX TX ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
859 XX XX XX XX XX XX TX ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
859 XX XX XX XX XX XX TX ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
864 XX XX XX XX XX XX VA ATR/QM: Exempt Loan Review Complete 10/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
864 XX XX XX XX XX XX VA ATR/QM: Exempt Loan Review Complete 10/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
864 XX XX XX XX XX XX VA ATR/QM: Exempt Loan Review Complete 10/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
854 XX XX XX XX XX XX HI ATR/QM: CDFI Lender Exempt Loan Review Complete 10/07/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Borrower has stable job time - Borrower has 11.61 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 660

Qualifying DTI below max allowed. - Calculated DTI of 40.28% is less than Guideline DTI of 55%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.7% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 50.7% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
854 XX XX XX XX XX XX HI ATR/QM: CDFI Lender Exempt Loan Review Complete 10/07/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Borrower has stable job time - Borrower has 11.61 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 660

Qualifying DTI below max allowed. - Calculated DTI of 40.28% is less than Guideline DTI of 55%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.7% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 50.7% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
854 XX XX XX XX XX XX HI ATR/QM: CDFI Lender Exempt Loan Review Complete 10/07/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Borrower has stable job time - Borrower has 11.61 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 660

Qualifying DTI below max allowed. - Calculated DTI of 40.28% is less than Guideline DTI of 55%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.7% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 50.7% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
856 XX XX XX XX XX XX WI ATR/QM: CDFI Lender Exempt Loan Review Complete 10/07/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Borrower has stable job time - Borrower has 6.32 years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
856 XX XX XX XX XX XX WI ATR/QM: CDFI Lender Exempt Loan Review Complete 10/07/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Borrower has stable job time - Borrower has 6.32 years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
856 XX XX XX XX XX XX WI ATR/QM: CDFI Lender Exempt Loan Review Complete 10/07/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Borrower has stable job time - Borrower has 6.32 years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
855 XX XX XX XX XX XX CA ATR/QM: Exempt Loan Review Complete 10/15/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Borrower has stable job time - Borrower has 30.48 years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
855 XX XX XX XX XX XX CA ATR/QM: Exempt Loan Review Complete 10/15/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Borrower has stable job time - Borrower has 30.48 years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
855 XX XX XX XX XX XX CA ATR/QM: Exempt Loan Review Complete 10/15/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Borrower has stable job time - Borrower has 30.48 years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
862 XX XX XX XX XX XX CA ATR/QM: Exempt Loan Review Complete 10/13/2025 Resolved FCRE1204 Credit Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared Alerts - Missing final CD or the Note, property taxes and HOI to verify PITIA for concurrent closing loan XX. Required per lender final approval.  Document Uploaded.  10/15/2025 Documentation is sufficient. Closing documents provided. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist 10/16/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740 C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
862 XX XX XX XX XX XX CA ATR/QM: Exempt Loan Review Complete 10/13/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
862 XX XX XX XX XX XX CA ATR/QM: Exempt Loan Review Complete 10/13/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
871 XX XX XX XX XX XX CA ATR/QM: Exempt Loan Review Complete 10/14/2025 Resolved FCRE7495 Credit Verification of Borrower Liabilities Missing or Incomplete The Initial 1003 is Missing The file does not contain a copy of the initial 1003.  Document Uploaded.  10/15/2025 Documentation is sufficient. Closing documents provided.  Exception resolved. 10/16/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 740 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
871 XX XX XX XX XX XX CA ATR/QM: Exempt Loan Review Complete 10/13/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 740 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
871 XX XX XX XX XX XX CA ATR/QM: Exempt Loan Review Complete 10/13/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 740 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
838 XX XX XX XX XX XX NJ ATR/QM: CDFI Lender Exempt Loan Review Complete 09/22/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Qualifying DTI below max allowed. - Calculated DTI of 25.79% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 3.57 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
838 XX XX XX XX XX XX NJ ATR/QM: CDFI Lender Exempt Loan Review Complete 09/22/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Qualifying DTI below max allowed. - Calculated DTI of 25.79% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 3.57 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
838 XX XX XX XX XX XX NJ ATR/QM: CDFI Lender Exempt Loan Review Complete 09/22/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Qualifying DTI below max allowed. - Calculated DTI of 25.79% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 3.57 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
837 XX XX XX XX XX XX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 09/16/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. Borrower has stable job time - Borrower has 10.19 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 10.54% is less than Guideline DTI of 55%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.21% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 59.21% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
837 XX XX XX XX XX XX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 09/16/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan. Borrower has stable job time - Borrower has 10.19 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 10.54% is less than Guideline DTI of 55%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.21% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 59.21% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
837 XX XX XX XX XX XX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 09/17/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. Borrower has stable job time - Borrower has 10.19 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 10.54% is less than Guideline DTI of 55%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.21% is less than Guideline CLTV of 70%

Original LTV is Below the Guideline Maximum - Calculated LTV of 59.21% is less than Guideline LTV of 70%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A