EX-99.9 10 exhibit99-9.htm AMC LOAN SECURITIZATION REPORT SET
Rating Agency Grades
        
Run Date - 10/8/2025 9:45:49 AM
        

LOAN INFORMATION
    
INITIAL CREDIT LOAN GRADES
   
INITIAL COMPLIANCE LOAN GRADES
  
INITIAL PROPERTY LOAN GRADES
   
INITIAL OVERALL LOAN GRADES
   
FINAL CREDIT LOAN GRADES
   
FINAL COMPLIANCE LOAN GRADES
  
FINAL PROPERTY LOAN GRADES
   
FINAL OVERALL LOAN GRADES
   
AMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Deal Number
Original Loan Amount
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
XXXX
3560445371
XXXX
      
A
A
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A
  
A
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A
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A
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A
A
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A
A
A
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A
  
XXXX
3563698516
XXXX
      
A
A
A
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C
C
C
C
C
  
A
A
A
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C
C
C
C
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A
A
A
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B
B
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B
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A
A
A
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B
B
B
B
B
  
XXXX
409017569
XXXX
      
A
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A
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A
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A
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A
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A
A
A
A
A
  
A
A
A
A
A
  
XXXX
409017609
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
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B
B
B
B
B
  
XXXX
409017615
XXXX
      
C
C
C
C
C
  
B
B
B
B
B
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
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B
B
B
B
B
  
XXXX
409017624
XXXX
      
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A
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A
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A
A
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A
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A
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A
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XXXX
409017576
XXXX
      
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A
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B
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A
A
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B
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A
A
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B
B
B
B
B
  
XXXX
409017654
XXXX
      
B
B
B
B
B
  
B
B
B
B
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A
A
A
A
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B
B
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A
A
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B
B
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A
A
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B
B
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B
  
XXXX
409017610
XXXX
      
B
B
B
B
B
  
A
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A
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B
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A
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XXXX
409017623
XXXX
      
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A
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A
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A
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XXXX
409017625
XXXX
      
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C
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A
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C
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A
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A
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XXXX
409017644
XXXX
      
A
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XXXX
409017566
XXXX
      
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XXXX
409017570
XXXX
      
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C
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D
D
D
D
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D
D
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A
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XXXX
409017586
XXXX
      
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B
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C
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A
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XXXX
409017621
XXXX
      
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C
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C
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A
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C
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A
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XXXX
409017643
XXXX
      
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C
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A
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B
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A
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XXXX
409017657
XXXX
      
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XXXX
409017593
XXXX
      
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XXXX
409017608
XXXX
      
C
C
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B
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A
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C
C
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A
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A
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B
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XXXX
409017631
XXXX
      
B
B
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A
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XXXX
409017563
XXXX
      
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XXXX
409017616
XXXX
      
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XXXX
409017619
XXXX
      
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C
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A
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A
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B
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A
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XXXX
409017646
XXXX
      
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B
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A
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XXXX
409017656
XXXX
      
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B
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C
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A
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C
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A
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XXXX
409017686
XXXX
      
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XXXX
409017580
XXXX
      
C
C
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A
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C
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A
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XXXX
409017592
XXXX
      
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C
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C
  
A
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A
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XXXX
409017611
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XXXX
409017618
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A
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XXXX
409017632
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XXXX
409017634
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XXXX
409017642
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A
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D
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A
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XXXX
409017588
XXXX
      
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XXXX
409017601
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XXXX
409017630
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XXXX
409017651
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XXXX
409017659
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409017689
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C
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C
C
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XXXX
409017603
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409017649
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XXXX
409017650
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409017652
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XXXX
409017675
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A
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A
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XXXX
409017677
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409017626
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409017639
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409017662
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409017671
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XXXX
409017571
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C
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A
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A
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B
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XXXX
409017581
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C
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A
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A
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XXXX
409017598
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XXXX
      
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XXXX
      
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XXXX
      
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XXXX
      
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XXXX
      
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XXXX
      
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XXXX
      
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409017691
XXXX
      
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409017692
XXXX
      
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409017699
XXXX
      
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409017700
XXXX
      
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409017701
XXXX
      
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409017703
XXXX
      
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XXXX
      
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409017713
XXXX
      
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409017717
XXXX
      
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A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
3564290202
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565657957
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
XXXX
3564509611
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3564941529
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565600427
XXXX
      
C
C
C
C
C
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565746150
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565822823
XXXX
      
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565885505
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565908649
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3566266221
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3559268299
XXXX
      
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
3564904896
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565024037
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565407085
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565669926
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565906028
XXXX
      
B
B
B
B
B
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
3564342948
XXXX
      
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3564812014
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565053575
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565117626
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565667966
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3565745791
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3566138590
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3566427769
XXXX
      
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
3566628372
XXXX
      
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3562463398
XXXX
      
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
3565433765
XXXX
      
B
B
B
B
B
  
C
C
C
C
C
  
D
D
D
D
D
  
D
D
D
D
D
  
B
B
B
B
B
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
3565676635
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3566062445
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  


Exception Grades
        
Run Date - 10/8/2025 9:45:49 AM
      

SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Loan Exception ID
Exception ID
Exception Date
Exception Type
Exception Category
Exception Subcategory
15E Category
Exception
Exception Detail
Exception Information
Compensating Factors
Compensating Factor Information
Applying Party
Follow-up Comments
Cleared Date
Cured Date
Waived Date
Exception Level Grade
DBRS Initial Exception Rating
DBRS Final Exception Rating
Fitch Initial Exception Rating
Fitch Final Exception Rating
Kroll Initial Exception Rating
Kroll Final Exception Rating
Moody's Initial Exception Rating
Moody's Final Exception Rating
S&P Initial Exception Rating
S&P Final Exception Rating
Note Date
Property State
Occupancy
Purpose
Exception Remediation
Overall
Initial Loan Grade
Overall
Final Loan Grade
Credit
Initial Loan Grade
Credit
Final Loan Grade
Compliance
Initial Loan Grade
Compliance
Final Loan Grade
Property
Initial Loan Grade
Property
Final Loan Grade
Originator QM ATR Status
TPR QM ATR Status
Is Curable
XXXX
3563698516
XXXX
  
33926683
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure disclosed an amount financed of $[redacted]; calculated amount financed is $[redacted]. Variance is $[redacted].
      
Reviewer Comment (2025-07-11): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD


Buyer Comment (2025-07-10): Please see attached, PCCD, LOE, Cure check and shipping information.
  
07/11/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3563698516
XXXX
  
33926684
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure disclosed a finance charge of $[redacted]; calculated finance charge is $[redacted]. Variance is $[redacted].
      
Reviewer Comment (2025-07-11): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD


Buyer Comment (2025-07-10): Please see attached, PCCD, LOE, Cure check and shipping information.
  
07/11/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017609
XXXX
  
34170297
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted]not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Reviewer Comment (2025-06-17): [redacted] received proof of receipt.


Buyer Comment (2025-06-16): Please see the attachment.
06/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Rate/Term
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017609
XXXX
  
34170298
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-06-16): seller accepts; no change to grading.
    
06/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Rate/Term
Good Faith Redisclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017615
XXXX
  
34170299
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Legal / Regulatory / Compliance
Final Title Policy is missing. No evidence of title in file.
          
Reviewer Comment (2025-06-16): Received Title commitment. Exception cleared.


Buyer Comment (2025-06-16): Please see title commitment attached. The final title policy is a trailing doc which will be provided once available
06/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Rate/Term
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017615
XXXX
  
34170301
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing
  
06/09/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Refinance - Rate/Term
Final CD evidences Cure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017615
XXXX
  
34170302
    
Compliance
Compliance
Federal Compliance
Missing Required Data (other than HUD-1 or Note)
(Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC)
Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the [redacted]nd, [redacted]th, [redacted]th, [redacted]th, [redacted]th, [redacted]th, or [redacted])
Testing is inconclusive. The file is missing the title report or other acceptable documentation confirming the last originating lender. Please provide for review.
      
Buyer Comment (2025-06-16): Seller acknowledges exception, no change in grading
    
06/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Rate/Term
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017576
XXXX
  
34170322
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-06-16): Seller acknowledges exception, no change in grading
    
06/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Second Home
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017654
XXXX
  
34170326
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-07-10): Final title provided.  Exception cleared
07/10/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Second Home
Purchase
  
B
B
B
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017654
XXXX
  
34170327
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-06-16): Final Title policy received. Exception cleared.


Buyer Comment (2025-06-16): Please see the attached final title policy noting the coverage amount.
06/16/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Second Home
Purchase
  
B
B
B
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017654
XXXX
  
34170328
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-06-16): Seller acknowledges. No change to grading.
    
06/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Second Home
Purchase
Good Faith Redisclosure
B
B
B
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017610
XXXX
  
34170332
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
        
Buyer Comment (2025-06-18): Seller acknowledges. No change to grading.
    
06/18/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017623
XXXX
  
34170334
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to the addition of the [redacted] Residential Fee on the CD issued [redacted].   No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made
      
Reviewer Comment (2025-06-25): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.


Buyer Comment (2025-06-24): Please see attached curing the issue.
  
06/25/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017625
XXXX
  
34170336
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Partial Payments
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan allows for Partial Payments.
The partial payments section on page [redacted] of the final Closing Disclosure was not completed. Please provide completed section for review.
      
Reviewer Comment (2025-06-26): [redacted] received Letter of Explanation & Corrected Closing Disclosure.


Buyer Comment (2025-06-25): Please see the attached redisclosure package sent to the client.


Reviewer Comment (2025-06-19): Under [redacted], For each transaction subject to § [redacted], the creditor shall disclose the information in this section. Under [redacted]-[redacted] items are required to be completed.  If there is a conflicting citation that may be applicable [redacted] would be happy to review the citation once provided, or please provide PCCD, LOE and proof of mailing to cure.


Buyer Comment (2025-06-18): Please escalate this to your compliance team, these sections do not require completion.
  
06/26/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017625
XXXX
  
34170337
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Negative Amortization
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization.
The Negative Amortization section on page [redacted] of the final Closing Disclosure was not completed. Please provide completed section for review.
      
Reviewer Comment (2025-06-26): [redacted] received Letter of Explanation & Corrected Closing Disclosure.


Buyer Comment (2025-06-25): Please see the attached redisclosure package sent to the client.


Reviewer Comment (2025-06-19): Under [redacted], For each transaction subject to § [redacted], the creditor shall disclose the information in this section. Under [redacted]-[redacted] items are required to be completed.  If there is a conflicting citation that may be applicable [redacted] would be happy to review the citation once provided, or please provide PCCD, LOE and proof of mailing to cure.


Buyer Comment (2025-06-18): Please escalate this to your compliance team, these sections do not require completion.
  
06/26/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017570
XXXX
  
34170347
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-06-18): Seller acknowledges the exception, no change to grading.
    
06/18/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
D
B
C
B
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017570
XXXX
  
34170348
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: [redacted]
  
The file is missing the secondary valuation required for securitization purposes.
      
Reviewer Comment (2025-07-30): CDA provided supports value. Exception cleared.


Buyer Comment (2025-07-30): Please see attached CDA
07/30/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
XXXX
Primary
Purchase
  
D
B
C
B
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017570
XXXX
  
34170349
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Appraisal Review Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-10): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (2025-07-10): Please see attached redisclosure package curing the issue.


Reviewer Comment (2025-06-30): [redacted] received rebuttal comment. However, on initial CD lender paid in the amount of $[redacted] disclosed in the name of "Final Insp/Add'l appraisal fee", but on Final CD added for the "appraisal review fee "of  $[redacted]. When a lender issues a revised LE/CD reflecting an increase/add in fee(s) subject to tolerance, sufficient COC documentation is required to re-baseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § [redacted] by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § [redacted] were satisfied. Please provide documentation of the reason for the additional of the valuation is required to add the fee What information was received that required the fee and when was that information received or Cure would be due to borrower.


Buyer Comment (2025-06-27): It was updated to borrower paid once the information was received. This is why the email was provided from [redacted] which is the date it flipped to borrower paid. Prior to this it was not borrower paid. Regarding the lender credit, we cannot credit something that has already been paid by the client outside of closing which is why the credit was re-allocated.


Reviewer Comment (2025-06-27): [redacted] received rebuttal, however as it was unknown that fee is borrower paid outside of closing then it should have been updated as borrower paid once the information was received for the requirement of new service. Also, no lender credit applied on final CD for the fee. Please provide LOE as requested why the fee was updated as paid by other.


Buyer Comment (2025-06-26): The correspondence was received on [redacted] which is when it was flipped to borrower paid outside of closing. Prior to this there was no way of knowing the fee was paid in this manner so we did the correct thing by applying a credit to the fee on [redacted]. On [redacted] the information was received and the fee was moved and the borrower still received the  same lender credits. Credits actually increased on the final CD. There is not a scenario in which we would have started with it being paid by the borrowr outside of closing without the knowledge of that being the case.


Reviewer Comment (2025-06-25): [redacted] received email conversation log and invoice from [redacted]. A per provided documents the fee added on CD dated [redacted] should be added as paid by borrower as the lender has no evidence that fee was paid by other party. However, the reason provided for adding the fee for required service is valid. Please provide an attestation from lender explaining reason why fee was incorrectly disclosed as paid by others to re-baseline the fee or provide cure.


Buyer Comment (2025-06-24): Please see attached confirming when it was discovered the fee was to be paid outside of closing which is why the credit had to be removed from this fee. Prior to this it was unknown the credit could not be applied. Also note, the final credits on the final CD exceed what was previously disclosed so no impact to the consumer and the amount of credits provided. They just could not be applied to this fee.


Reviewer Comment (2025-06-24): [redacted] received rebuttal, however as fee is paid by borrower at closing or outside of closing are subject to tolerance. Since the fee initially disclosed as paid by others which is not buyers' liability and later it was disclosed as buyer paid without any valid COC. A valid Changed Circumstance or cure is required.  Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.


Buyer Comment (2025-06-23): The fee was paid by the client outside of closing so no credit could be applied to the line item as it was already paid. Please review to clear this condition.


Reviewer Comment (2025-06-19): [redacted] received rebuttal, however on CD dated [redacted] fee was paid by other and on final CD fee has moved to borrower paid. Please provide valid COC for CD dated [redacted] on why fee was moved to borrower paid or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.


Buyer Comment (2025-06-18): Pleas see Pg [redacted] which is the UCDP submission confirming a CU score of [redacted] which is dated [redacted]. This CU score is the valid CIC for needing a secondary valuation product which is why a CDA was ordered and the fee was disclosed. Please review to clear this condition.
  
07/10/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
D
B
C
B
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017570
XXXX
  
34170351
    
Credit
Credit
Credit Documentation
Guideline
Missing Document: Asset not provided
  
The file is missing the fully executed Final Closing Statement for the sale of [redacted] to verify that all liens are paid and closed. Please provide for review.
      
Reviewer Comment (2025-06-20): Purchase contract for the sale of the departure has been received, and does not reflect any financing contingencies. Exception cleared.


Buyer Comment (2025-06-18): Please see attached purchase agreement for the sale of this property. Per the agreement it is to be executed [redacted]. Please review to clear this condition.
06/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
D
B
C
B
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017570
XXXX
  
34170353
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within [redacted] business days of the Note.
-
The file is missing the verbal verification of employment obtained within [redacted] business days of closing.
      
Reviewer Comment (2025-06-19): In file WVOE present within [redacted] business days of closing. Exception Cleared.


Buyer Comment (2025-06-18): Please see Pg [redacted] of the loan file. The date at the bottom right where it was completed by the employer is [redacted]. Please review to cancel this exception.
06/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
D
B
C
B
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017586
XXXX
  
34170355
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
        
Buyer Comment (2025-06-18): Seller acknowledges the exception, no change to grading.
    
06/18/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017586
XXXX
  
34170357
    
Compliance
Compliance
State Compliance
Misc. State Level
XXXX Counseling Agencies Disclosure Not in File
[redacted] - No evidence of required counseling disclosure language per [redacted].
        
Buyer Comment (2025-06-18): Seller acknowledges the exception, no change to grading.
    
06/18/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017586
XXXX
  
34170358
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Buyer Comment (2025-06-24): Seller acknowledges the exception, no change to grading.


Reviewer Comment (2025-06-23): Final LE issued [redacted] was received within time requirements.  LE issued [redacted] did not receive proof of receipt within timing requirements, but exception has been re-graded to EV2-B as final LE was received timely.


Buyer Comment (2025-06-20): Reviewer confirms the LE was received timely. Please clear the exception.


Reviewer Comment (2025-06-19): Final LE was received timely.


Buyer Comment (2025-06-18): Under [redacted] states: The creditor shall not provide a revised version of the disclosures required under paragraph [redacted] of this section on or after the date on which the creditor provides the disclosures required under paragraph [redacted] of this section. The consumer must receive any revised version of the disclosures required under paragraph [redacted] of this section not later than [redacted] business days prior to consummation. Under SFA TRID [redacted] Interim LE can be regraded to EV2 if Final LE delivered within timing requirements.
    
06/24/2025
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017586
XXXX
  
34170359
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Buyer Comment (2025-06-24): Seller acknowledges the exception, no change to grading.


Reviewer Comment (2025-06-23): Final LE issued [redacted] was received within time requirements.  LE issued [redacted] did not receive proof of receipt within timing requirements, but exception has been re-graded to EV2-B as final LE was received timely.


Reviewer Comment (2025-06-19): Final LE was received timely.


Buyer Comment (2025-06-18): Under [redacted]  states: The creditor shall not provide a revised version of the disclosures required under paragraph [redacted] of this section on or after the date on which the creditor provides the disclosures required under paragraph [redacted] of this section. The consumer must receive any revised version of the disclosures required under paragraph [redacted] of this section not later than [redacted] business days prior to consummation. Under SFA TRID GRID [redacted] Interim LE can be regraded to EV2 if Final LE delivered within timing requirements.
    
06/24/2025
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017586
XXXX
  
34170360
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Reviewer Comment (2025-06-19): [redacted] received proof of receipt.


Buyer Comment (2025-06-18): Please see attached confirming the final LE of [redacted] was viewed.
06/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017621
XXXX
  
34170365
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
The file is missing the property tax documentation for this property. Please provide for review.
      
Reviewer Comment (2025-06-23): Property tax document was provided for [redacted] property.  Exception cleared.


Buyer Comment (2025-06-20): Please see the attached confirmation of non-subject taxes.


Reviewer Comment (2025-06-19): Evidence of the taxes for [redacted] was missing from the file.


Buyer Comment (2025-06-18): Please provide the property address.
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017621
XXXX
  
34170366
    
Credit
Asset
Asset Documentation
Asset
Guideline Issue:Insufficient asset documentation.
-
[redacted] month asset verification was provided covering [redacted] - [redacted].  Please provide an additional consecutive bank statement to verify the funds used to qualify.
      
Reviewer Comment (2025-06-19): Received additional month consecutive bank statement. Exception Cleared.


Buyer Comment (2025-06-18): Please see the attached.
06/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017621
XXXX
  
34170367
    
Credit
Asset
Asset Documentation
Asset
Guideline Issue:Insufficient asset documentation.
-
[redacted] month asset verification was provided covering [redacted] - [redacted].  Please provide an additional consecutive bank statement to verify the funds used to qualify.
      
Reviewer Comment (2025-06-19): Received additional month consecutive bank statement. Exception Cleared.


Buyer Comment (2025-06-18): Please see the attached.
06/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017643
XXXX
  
34170375
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
        
Buyer Comment (2025-06-18): Seller acknowledges exception, no change to grading.
    
06/18/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Rate/Term
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017643
XXXX
  
34170377
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Recording fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-06-25): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.


Buyer Comment (2025-06-24): Please see attached cure package mailed to borrower.
  
06/25/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017608
XXXX
  
34170395
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
The [redacted] party verification of employment for sole proprietor income was not time stamped. Please provide evidence of when the lender obtained the verification for review
      
Reviewer Comment (2025-06-23): Timestamped document was provided confirming receipt of document.  Exception cleared.


Buyer Comment (2025-06-20): Please see the attached confirmation self-employment verification was completed within the required timeframe prior to closing.
06/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017608
XXXX
  
34170398
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-06-20): Seller acknowledges exception, no change to grading.
    
06/20/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
Good Faith Redisclosure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017631
XXXX
  
34170400
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-06-19): Seller acknowledges the exception, no change in grading.
    
06/19/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017619
XXXX
  
34170411
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-23): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (2025-07-23): Please see attached confirmation package will be delivered today [redacted].


Reviewer Comment (2025-07-16): [redacted] received Post CD,LOX,Copy of refund check and proof of mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.


Buyer Comment (2025-07-16): Please see the attached package mailed to the borrower curing the issue.
  
07/23/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017619
XXXX
  
34170412
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Appraisal Review Fee was last disclosed as $[redacted]  on the Loan Estimate, but was disclosed as $[redacted]  on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-23): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (2025-07-23): Please see attached confirmation package will be delivered today [redacted].


Reviewer Comment (2025-07-16): [redacted] received Post CD,LOX,Copy of refund check and proof of mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.


Buyer Comment (2025-07-16): Please see the attached package mailed to the borrower curing the issue.


Reviewer Comment (2025-07-01): [redacted] received rebuttal, however fee was paid by other on CD dated [redacted] and on final CD fee moved to borrower paid.  Please provide valid COC with sufficient information on why the fee was moved to borrower paid. A valid Changed Circumstance or cure is required.  Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.


Buyer Comment (2025-06-30): Please refer to the UCDP submission summary form that is part of the loan images, showing the full appraisal was run through UCDP on [redacted] with a CU score of [redacted] that requires a CDA to be ordered, the $[redacted] fee was added on [redacted] which is within [redacted] business days of [redacted] knowledge that the fee would be required.
  
07/23/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017619
XXXX
  
34170414
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
The file is missing the HOA verification for this property. Please provide for review.
      
Reviewer Comment (2025-06-25): [redacted] document received with HOA dues. Exception cleared.


Buyer Comment (2025-06-25): Please see the attached confirmation that there are no HOA dues on the non-subject property. Please see the attached HOI policy that was accounted for along with the taxes that are part of the loan images.
06/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017646
XXXX
  
34170417
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-06-25): Seller acknowledges the exception, no change to grading.
    
06/25/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017656
XXXX
  
34170420
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-06-27): Final title policy provided, exception cleared.
06/27/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
  
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017656
XXXX
  
34170421
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-06-25): Received final title policy with coverage amount. Exception  cleared.


Buyer Comment (2025-06-25): Please see the attached final title policy.
06/25/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Primary
Purchase
  
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017656
XXXX
  
34170422
    
Compliance
Compliance
Miscellaneous Compliance
Compliance
Other Compliance Exception (Manual Add)
  
The Disclosure Tracking in the file reflects the initial CD was issued and delivered on [redacted]. This CD (the initial) was missing from the file.
      
Reviewer Comment (2025-06-27): Initial CD dated [redacted] has been provided. Exception cleared.


Buyer Comment (2025-06-25): Please see the attached CD.
06/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017580
XXXX
  
34170425
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Lender exception was made due to zoning. [redacted] zoning does not meet lender guidelines.
      
Reviewer Comment (2025-06-24): [redacted] zoning is designed to allow for [redacted] development in rural settings while preserving [redacted] land. Subject is in a [redacted] , zoned [redacted] - [redacted] acres. No [redacted] use present. Property meets client's guidelines.
06/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017580
XXXX
  
34170426
    
Compliance
Compliance
State Compliance
State Defect
[redacted]
[redacted] Predatory Lending Database Program ([redacted]% Method) - Certificate of Compliance or Exemption not attached to mortgage for recording.
        
Reviewer Comment (2025-07-07): Certificate of Exemption provided, exception cleared.


Buyer Comment (2025-07-03): Please see the attached recorded mortgage.


Reviewer Comment (2025-07-01): Although the lender is exempt from the act, it is still required to obtain the Certificate of Exemption to be recorded with the Security Instrument:

Per [redacted]. Comp. Stat. [redacted]:  Entities Exempt from the Act
Any entity not required to be licensed under the [redacted] Act, such as banks and other depository financial institutions, as well as certain limited private lenders (such as an individual making a loan to a family member), is exempt from the Act. Exempt entities are not required to enter information into the database but must, however, obtain a Certificate of Exemption from the closing agent to record their mortgages. Loans by these entities may go directly to closing upon approval. If an exempt entity, such as a bank, chooses to close its own loans, it must register as a closer.


Buyer Comment (2025-06-27): This is a non-delegated corr loan. The lender, [redacted], is exempt from having provide the [redacted] Anti Pred Cert as they are a bank, not a lender. Please escalate for this to be cleared as-is
07/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017580
XXXX
  
34170430
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-24): Sufficient Cure Provided At Closing
  
06/24/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
Final CD evidences Cure
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017580
XXXX
  
34170431
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-24): Sufficient Cure Provided At Closing
  
06/24/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
Final CD evidences Cure
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017592
XXXX
  
34170432
    
Credit
Title
Document Error
Title
The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-06-30): Provided Title commitment document, Exception Cleared.


Buyer Comment (2025-06-27): Please see the attached title commitment showing the coverage amount.
06/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017618
XXXX
  
34170439
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-06-25): Final Title policy received with coverage amount. Exception cleared.


Buyer Comment (2025-06-25): Please see the attached final title policy.
06/25/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Primary
Purchase
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017618
XXXX
  
34170440
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-06-25): Final Title policy received with coverage amount. Exception cleared.
06/25/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017634
XXXX
  
34170447
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
The file is missing the insurance verification for this property. Please provide for review.
      
Reviewer Comment (2025-06-25): HOI document received. Exception cleared.


Buyer Comment (2025-06-25): Please see attached HOI for this property.
06/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Rate/Term
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017634
XXXX
  
34170450
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-06-25): Seller acknowledges the exception, no change to grading.
    
06/25/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Rate/Term
Good Faith Redisclosure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017642
XXXX
  
34170453
    
Credit
Title
Document Error
Title
The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-06-26): Title coverage amount mentioned in Preliminary Report. Exception Cleared.


Buyer Comment (2025-06-25): Please see attached prelim title policy with loan/coverage amount listed on page [redacted].
06/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
D
B
C
B
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017642
XXXX
  
34170454
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: [redacted]
  
The file is missing the secondary valuation required for securitization purposes.
      
Reviewer Comment (2025-07-01): Provided CDA document. Exception Cleared..


Buyer Comment (2025-06-30): Please see attached CDA supporting the appraisal.
07/01/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
XXXX
Primary
Purchase
  
D
B
C
B
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017642
XXXX
  
34170457
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
The subject property is zoned [redacted] which does not meet Jumbo guidelines. Please provide the credit comp factors which were considered.
The representative FICO score exceeds the guideline minimum by at least [redacted] points.

The representative FICO score is above [redacted].

Borrower has verified disposable income of at least $[redacted].
Guidelines Representative FICO: [redacted]
Representative FICO: [redacted]

The representative FICO score is above [redacted].

Residual monthly income of at least $[redacted].
SitusAMC,Originator,Aggregator

SitusAMC

Originator,Aggregator,SitusAMC
Reviewer Comment (2025-07-01): Client elects to waive with compensating factors.


Buyer Comment (2025-06-27): FICO [redacted]
LTV [redacted]%
[redacted] months PITIA reserves
No Adverse credit marks
No mortgage lates dating back to [redacted]
$[redacted] monthly residual income


Reviewer Comment (2025-06-26): Since the acreage does not meet guidelines, a credit exception has been set.  Diligence needs compensating factors in order to waive and re-grade the pre-close lender exception.  Please provide acceptable credit related (LTV, DTI, etc...) that were used in approving the Lender Exception.


Buyer Comment (2025-06-25): Please be advised this was a pre-close exception as noted on the 1008.
    
07/01/2025
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
  
D
B
C
B
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017588
XXXX
  
34170469
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Title - Survey Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-06-25): [redacted] received rebuttal comment that survey is non lender required and borrower shopped.


Buyer Comment (2025-06-25): Please be advised this fee is listed in Section [redacted] and paid to a non-affiliate therefore not subject to any tolerance exceptions. Additionally, the Survey is a requirement of the purchase agreement on file and not a lender imposed fee.
06/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017601
XXXX
  
34170476
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the [redacted] Fee in Section [redacted] of the CD. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (2025-07-02): Please see attached curing the issue.


Reviewer Comment (2025-06-27): [redacted] received rebuttal, however the reason provided is not valid. There shall be imposed on the closing of every mortgage loan subject to regulation under Title [redacted], Chapter [redacted], ARTICLE [redacted] of the Financial Institutions Code of [redacted] which, as defined in Code Section[redacted], includes all mortgage loans, whether or not closed by a mortgage broker or mortgage lender licensee or registrant, a fee of $[redacted]. The fee shall be paid by the borrower to the collecting agent at the time of closing of the mortgage loan transaction. Cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.


Buyer Comment (2025-06-26): We did not receive the title doc until [redacted] which is why the previous document and explanation were provided. We could not have known until the title commitment was received. Please review to clear this condition.


Reviewer Comment (2025-06-26): [redacted] received rebuttal comment and supporting Title commitment snip. However, Title commitment provided in the loan file completed on [redacted]. But the Recording fee-[redacted] res Mtg fee of $[redacted] added on [redacted] CD. This is outside of the required three-day timeline for notification of borrower. Cure is required.


Buyer Comment (2025-06-25): Please see attached confirming when we received the title commitment confirming a UCC lien needed to be released which is why this fee was added. This is the valid CIC and the fee was disclosed within the required time. Please review to clear this condition.
  
07/03/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017630
XXXX
  
34170482
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Flood certificate fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD


Buyer Comment (2025-07-01): Please see the attachment.


Reviewer Comment (2025-06-26): [redacted] received valid COC for the recording fee increased on LE dated [redacted] from $[redacted] to $[redacted]. However, Recording Fee-[redacted] Res Mtg fee of $[redacted] added on CD dated [redacted] without VCCs. Provide valid COC for the fee was added or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.


Buyer Comment (2025-06-25): [redacted]: Please see the valid change in circumstance dated [redacted] which shows a valid CIC for QCD pages. We received a copy of the Quit Claim deed, (page [redacted]) dated [redacted] showing the total amount of pages, which is when we knew how much it would cost to record the QCD. This is a valid change in circumstance to increase the cost of recording fees from [redacted]$ to [redacted]$.
  
07/01/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017651
XXXX
  
34170490
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Recording fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (2025-07-01): Please see redisclosure package attached
  
07/02/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017689
XXXX
  
34170496
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-06-25): Seller acknowledges the exception, no change to grading.
    
06/25/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017689
XXXX
  
34170498
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
  
The file was missing the Final Closing Statement for the sale of REO to verify the total net equity received of $[redacted] and all liens are paid and closed. Please provide for review.
      
Reviewer Comment (2025-06-25): Closing statement received for REO property. Exception cleared.


Buyer Comment (2025-06-25): Please see the attached final settlement statement.
06/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017603
XXXX
  
34170501
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
        
Buyer Comment (2025-06-26): Seller acknowledges exception, no change to grading.
    
06/26/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017649
XXXX
  
34170505
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-06-26): Seller acknowledges. No change to grading.
    
06/26/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017650
XXXX
  
34170507
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-06-26): Seller acknowledges exception, no change in grading
    
06/26/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017652
XXXX
  
34170511
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
        
Buyer Comment (2025-06-26): Seller acknowledges exception, no change to grading.
    
06/26/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017652
XXXX
  
34170513
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing
  
06/25/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
Final CD evidences Cure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017652
XXXX
  
34170514
    
Compliance
Compliance
Federal Compliance
TRID
TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing
  
06/25/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
Final CD evidences Cure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017652
XXXX
  
34170515
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing.
The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's  issued to the borrower for review.
      
Reviewer Comment (2025-06-30): [redacted] received  [redacted] CD received [redacted] business days prior to consummation.


Buyer Comment (2025-06-27): Please see attached, [redacted] CD which was esigned by the borrower on [redacted].
06/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
No Defined Cure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017652
XXXX
  
34170516
    
Credit
Credit
Credit Documentation
Guideline
Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided
  
The VOR or equivalent payment history verifying [redacted]-months rent was missing from the file. Please provide for review.
      
Reviewer Comment (2025-06-27): [redacted]-month Payment History present in file. Exception Cleared.


Buyer Comment (2025-06-26): Please see the bank of [redacted] statement provided in the loan file. They confirm [redacted] months of payment history. The borrower makes [redacted] payments per month to cover the full balance of the rent. The payments are for $[redacted]. Please see the lease agreement on page [redacted] which confirms the rent amount was $[redacted].
06/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017675
XXXX
  
34170518
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-06-26): Seller acknowledges. No change to grading.
    
06/26/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017675
XXXX
  
34170519
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
        
Buyer Comment (2025-06-26): Seller acknowledges. No change to grading.
    
06/26/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017626
XXXX
  
34170527
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)
Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
        
Buyer Comment (2025-06-27): Seller acknowledges the exception, no change to grading.
    
06/27/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017662
XXXX
  
34170530
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Loan is zoned agricultural which does not meet lender's guidelines. Guideline exception was made at origination.
Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

The representative FICO score is above [redacted].

Borrower has been employed in the same industry for more than [redacted] years.

Borrower has worked in the same position for more than [redacted] years.
  
SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC
Buyer Comment (2025-07-03): Seller acknowledges the exception, no change to grading.


Reviewer Comment (2025-07-03): Exception downgrade to EV2 at clients request.


Reviewer Comment (2025-07-02): Comp factors:
1) [redacted] FICO
2) $[redacted] million is reserves
3) No delinquent payments on any active mortgage, installment or revolving debt
4) $[redacted] in residual income
5) Borrowers self-employment has been active for [redacted] years and a second business for [redacted]


Buyer Comment (2025-06-30): Please use the following comp factors: [redacted] FICO
$[redacted] is reserves
No delinquent payments on any active mortgage, installment or revolving debt
$[redacted] in residual income
Borrowers self-employment has been active for [redacted] years and a second business for [redacted]


Reviewer Comment (2025-06-27): The 1008 reflects the comp factors which were considered, inclusive of no agricultural use/animals or crops, etc. Please provide diligence with a minimum of [redacted] credit comp factors in order to downgrade this exception. (E.g. Employment history, FICO, LTV, residual income, etc.) Only credit comp factors can downgrade a lender exception made to guidelines.
    
07/03/2025
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017662
XXXX
  
34170533
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-06-30): Seller acknowledges exception, no change in grading
    
06/30/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017571
XXXX
  
34170546
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted] Percent fees will only re-baseline if the cumulative total of fees exceed [redacted]%.  On this loan, the recording fee increased by less than [redacted]% on [redacted] from $[redacted] to $[redacted].  The baseline will not increase to $[redacted] since the increase was less than [redacted]%.  There was no COC found for the subsequent increases on [redacted] and [redacted].   The final increase of fee to $[redacted] requires a $[redacted] cure based on the initial baseline of $[redacted].   Please provide a PC CD disclosing the tolerance violation, a copy of the refund check, proof of delivery and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (2025-07-02): Please see attached redisclosure package curing the issue.
  
07/03/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017581
XXXX
  
34170550
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
The divorce decree is missing to verify the alimony and child support amounts that were used to qualify.  Please provide for review.
      
Reviewer Comment (2025-07-03): Divorce decree provide to satisfy exception.


Buyer Comment (2025-07-01): Please see the full DD attached
07/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017598
XXXX
  
34170558
    
Credit
Disclosure
Missing Document
Disclosure
E-sign Consent Agreement is missing.
-
        
Reviewer Comment (2025-06-30): Received E-Sign Consent Agreement. Exception  cleared.


Buyer Comment (2025-06-30): Please see attached for esign consent.
06/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017602
XXXX
  
34170575
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-02): Seller acknowledges. No change to grading.
    
07/02/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Second Home
Refinance - Rate/Term
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017633
XXXX
  
34170577
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-02): Seller acknowledges. No change to grading.
    
07/02/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017673
XXXX
  
34170593
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure disclosed an amount financed of $[redacted]; calculated amount financed is $[redacted]. Variance of $[redacted] is due to the Attorney Fees paid by the borrower in Section [redacted].
      
Reviewer Comment (2025-07-03): [redacted] received attestation on purpose of attorney fee in section H and is borrower optional choice


Buyer Comment (2025-07-02): The $[redacted] Attorney fees in section [redacted] should be excluded from testing as they are not required for the transaction and were not imposed or paid to the lender. Per the attached Final settlement statement and funding instructions, the Attorney fees paid to [redacted] are separate from the title charges paid to [redacted]. Per this documentation, [redacted] was retained by the borrowers to represent them in the purchase transaction.
07/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017673
XXXX
  
34170594
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure disclosed a finance charge of $[redacted]; calculated finance charge is $[redacted]. Variance of $[redacted] is due to the Attorney Fees paid by the borrower in Section [redacted].
      
Reviewer Comment (2025-07-03): [redacted] received attestation on purpose of attorney fee in section [redacted] and is borrower optional choice


Buyer Comment (2025-07-02): The $[redacted] Attorney fees in section [redacted] should be excluded from testing as they are not required for the transaction and were not imposed or paid to the lender. Per the attached Final settlement statement and funding instructions, the Attorney fees paid to [redacted] are separate from the title charges paid to [redacted]. Per this documentation, [redacted] was retained by the borrowers to represent them in the purchase transaction.
07/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017684
XXXX
  
34170600
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-02): seller accepts; no change to grading.
    
07/02/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017695
XXXX
  
34170606
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-02): Seller acknowledges the exception, no change to grading.
    
07/02/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
Good Faith Redisclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017695
XXXX
  
34170607
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as -$[redacted] on the Loan Estimate, but was disclosed as -$[redacted] on the Final Closing Disclosure. Please provide the valid COC for the addition of the Appraisal Review Fee on the CD issued on [redacted] in the amount of $[redacted].  Exception will be cleared once a valid COC for this fee is provided.
      
Reviewer Comment (2025-07-07): Upon further review lender credit correctly disclosed to consumer.


Buyer Comment (2025-07-03): Please re-review the final signed CD, the final lender credit amount is $[redacted].
07/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017647
XXXX
  
34170612
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-03): Seller acknowledges. No change to grading.
    
07/03/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017599
XXXX
  
34170624
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Recording and Title - CPL fees. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made
      
Reviewer Comment (2025-07-14): [redacted] received Post CD and LOX by moving fee to section [redacted].


Buyer Comment (2025-07-11): Pleas see the attachment.
07/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017640
XXXX
  
34170629
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared.
      
Reviewer Comment (2025-07-14): Lease agree with all information visible was provided. Exception cleared.


Buyer Comment (2025-07-11): Please see attached, Lease agreement with all information.
07/14/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
XXXX
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017640
XXXX
  
34170630
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - REO [redacted]% Method
General QM: Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records.
The lease in the file is blank. Please provide the fully executed lease for the departure residence.
      
Reviewer Comment (2025-07-14): Lease agree with all information visible was provided. Exception cleared.


Buyer Comment (2025-07-11): Please see attached, Lease agreement with all information.
07/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017641
XXXX
  
34170633
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file.
      
Reviewer Comment (2025-07-14): [redacted] received earliest consent for LE.


Buyer Comment (2025-07-11): Please see the attached verification borrower received the loan estimate posted on [redacted].
07/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017678
XXXX
  
34170636
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-11): Seller acknowledges exception, no change in grading
    
07/11/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017575
XXXX
  
34170650
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Appraisal Review Fee was last disclosed as $[redacted] on the Loan Estimate due to being paid by the lender, but was disclosed as $[redacted] on the Final Closing Disclosure paid by the borrower. No valid COC was provided for this change on the later CD, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-16): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.


Buyer Comment (2025-07-16): Please see the attachment.
  
07/16/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017589
XXXX
  
34170659
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-16): Seller acknowledges. No change to grading.
    
07/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017617
XXXX
  
34170665
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
        
Buyer Comment (2025-07-16): Seller acknowledges exception, no change to grading.
    
07/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017617
XXXX
  
34170666
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Reviewer Comment (2025-07-17): [redacted] received proof of earlier electronic receipt.


Buyer Comment (2025-07-16): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically.
07/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017620
XXXX
  
34170668
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
  
The file was missing the Final Closing Statement for the sale of the departure residence to verify the total net equity received and that all liens are paid and closed. Please provide for review.
      
Reviewer Comment (2025-07-17): Received Final Closing Statement for the sale of REO. Exception Cleared.


Buyer Comment (2025-07-16): Please see the attachment for [redacted].
07/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017620
XXXX
  
34170669
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-16): seller accepts; no change to grading.
    
07/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017661
XXXX
  
34170678
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-16): Seller acknowledges exception, no change in grading
    
07/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017663
XXXX
  
34170681
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Recording  fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-18): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.


Buyer Comment (2025-07-17): Please see the attachment.
  
07/18/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017668
XXXX
  
34170685
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file.
      
Reviewer Comment (2025-07-16): [redacted] received proof of earlier electronic receipt.


Buyer Comment (2025-07-15): Please see attached confirming the [redacted] LE was viewed.
07/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017672
XXXX
  
34170688
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-16): Seller acknowledges exception, no change to grading.
    
07/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017687
XXXX
  
34170696
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-16): Seller acknowledges the exception, no change to grading.
    
07/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017687
XXXX
  
34170699
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)
Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
        
Buyer Comment (2025-07-16): Seller acknowledges the exception, no change to grading.
    
07/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017694
XXXX
  
34170706
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-15): Seller acknowledges. No changes to grading.
    
07/15/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017698
XXXX
  
34170707
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-16): Seller acknowledges the exception, no change to grading.
    
07/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017698
XXXX
  
34170710
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-16): Seller acknowledges the exception, no change to grading.
    
07/16/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017707
XXXX
  
34170715
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Please provide evidence of the date the LE was received by the borrower.
      
Reviewer Comment (2025-07-14): [redacted] received earliest receipt for LE.


Buyer Comment (2025-07-14): Please see attached confirming the final LE on [redacted] was viewed. Please clear this exception and review to downgrade the other to an EV2.
07/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017707
XXXX
  
34170716
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Please provide evidence of the date the LE was received by the borrower.
      
Reviewer Comment (2025-07-14): [redacted] received earliest receipt for LE.


Buyer Comment (2025-07-14): Please review to downgrade to EV2 non material as the [redacted] LE final was acknowledged and proof was provided on associated exception.
07/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017707
XXXX
  
34170717
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing Test
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Regraded to EV2-B as the Revised LE issued [redacted] Sequence [redacted] missing proof of receipt within [redacted] business days prior to closing, but Final LE [redacted] sequence [redacted] was received at least [redacted] business days prior to closing.
      
Buyer Comment (2025-07-15): Seller acknowledges the exception, no change to grading.
    
07/15/2025
2
  
B
  
B
  
B
  
B
  
B
  
XXXX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017710
XXXX
  
34170719
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-15): Seller acknowledges exception, no change to grading.
    
07/15/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017710
XXXX
  
34170720
    
Credit
Disclosure
Missing Document
Disclosure
E-sign Consent Agreement is missing.
-
        
Reviewer Comment (2025-07-17): E-sign consent dated on the app date provided. Exception cleared.


Buyer Comment (2025-07-17): Please review pages [redacted] and [redacted] in your loan file which reflects the clients electronic acceptance which is highlighted in red.


Reviewer Comment (2025-07-16): E-sign agreement received without signed & dated. Please provide updated E-sign agreement with signed & dated. Exception remains.


Buyer Comment (2025-07-16): Please see attached, esign consent as requested
07/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017711
XXXX
  
34170723
    
Compliance
Compliance
Federal Compliance
Missing Required Data (other than HUD-1 or Note)
(Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC)
Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the [redacted]nd, [redacted]th, [redacted]th, [redacted]th, [redacted]th, [redacted]th, or [redacted])
Testing is inconclusive. The file was missing the title report or other acceptable documentation confirming the last originating lender. Please provide for review.
      
Buyer Comment (2025-07-15): seller accepts; no change to grading.
    
07/15/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017711
XXXX
  
34170724
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Legal / Regulatory / Compliance
Final Title Policy is missing. No evidence of title in file.
          
Reviewer Comment (2025-07-15): Title preliminary received. Exception cleared.


Buyer Comment (2025-07-15): Please see the attachment.
07/15/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017711
XXXX
  
34170726
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-16): seller accepts; no change to grading.
    
07/16/2025
2
  
B
  
B
  
B
  
B
  
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017716
XXXX
  
34170731
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
        
Buyer Comment (2025-07-15): Seller acknowledges. No change to grading.
    
07/15/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017578
XXXX
  
34170732
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Subject is zoned [redacted] which does not meet lender's guidelines.
Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

The representative FICO score is above [redacted].
Borrower has $[redacted] in reserves after closing.

Representative FICO: [redacted]

The representative FICO score is above [redacted].
SitusAMC

SitusAMC,Originator,Aggregator

Originator Pre-Close,Originator,Aggregator,SitusAMC
Reviewer Comment (2025-07-21): Client elects to waive with compensating factors.
    
07/21/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Second Home
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017579
XXXX
  
34170736
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-23): Seller acknowledges exception, no change in grading
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017638
XXXX
  
34170753
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-23): Seller acknowledges exception, no change in grading
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017638
XXXX
  
34170755
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-23): Seller acknowledges exception, no change in grading
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017679
XXXX
  
34170767
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-23): Seller acknowledges the exception, no change to grading.
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017685
XXXX
  
34170771
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)
Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
        
Buyer Comment (2025-07-23): Seller acknowledges exception, no change to grading.
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017691
XXXX
  
34170776
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-23): Seller acknowledges the exception, no change to grading.
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Second Home
Refinance - Cash-out - Other
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017692
XXXX
  
34170777
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-24): Seller acknowledges exception, no change in grading
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017692
XXXX
  
34170780
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Reviewer Comment (2025-07-25): [redacted] received consent for revised LE.


Buyer Comment (2025-07-24): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically.
07/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017700
XXXX
  
34170789
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Legal / Regulatory / Compliance
Final Title Policy is missing. No evidence of title in file.
          
Reviewer Comment (2025-07-23): Received title commitment report in the file. Exception  cleared.


Buyer Comment (2025-07-23): Please see attached title commitment.
07/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Second Home
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017700
XXXX
  
34170790
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Pest Inspection Fee was not disclosed on the Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-28): [redacted] received comment for fee required by borrower and shopped for the fee.


Buyer Comment (2025-07-25): Apologies for the oversight. This is a Section [redacted] fee and as such is subject to unlimited tolerance. This is not a requirement for the loan and the borrower negotiated the fee for this service on their own behalf. Please review to clear this condition.


Reviewer Comment (2025-07-24): [redacted] CD without date issued and loan terms are already excluded from testing. CD dated [redacted] signed at closing and CD dated [redacted] reflects Pest inspection fee under Section [redacted] $[redacted].  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.


Buyer Comment (2025-07-24): This was the CD sent from the title company only to be used to balance our CD. It was not disclosed to the consumer and should not be considered in any testing as it was for internal use only. Further, reviewing the first page of this CD confirms this as there are no terms such as an interest rate. Finally, the final CD does not have this charge imposed on the consumer. Please review to clear this condition.


Reviewer Comment (2025-07-23): [redacted] Pest Inspection fee added on CD dated [redacted] under section [redacted] without valid COC. A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.


Buyer Comment (2025-07-23): Please re-review as there is not a pest inspection fee.
07/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017700
XXXX
  
34170791
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-23): Seller acknowledges the exception, no change to grading.
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Second Home
Purchase
Good Faith Redisclosure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017703
XXXX
  
34170798
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-23): Seller acknowledges the exception, no change to grading.
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017712
XXXX
  
34170815
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Reviewer Comment (2025-07-24): [redacted] received earliest receipt of LE.


Buyer Comment (2025-07-23): Please see the attached. The [redacted] confirms the borrower acknowledged the LE disclosed on [redacted]. Oustanding refers to when the LE was posted in the screenshot.
07/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017713
XXXX
  
34170818
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to the addition of the [redacted] Residential Fee in the amount of $[redacted] and the addition of the "other" recording fee charged to the borrower in the amount of $[redacted]. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-25): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.


Buyer Comment (2025-07-24): Please see the attached for the corrected CD, LOE, check copy and shipping label.
  
07/25/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017717
XXXX
  
34170830
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
The borrower's current mortgage history with [redacted] is only reporting for [redacted] months.  Please provide documentation to verify the history prior to the current lien to verify [redacted] months as per guidelines, or evidence a prior lien did not exist.
      
Reviewer Comment (2025-07-24): [redacted] was reporting on credit and was the prior lien per search. Nothing further required, exception cleared.


Buyer Comment (2025-07-23): Please see attached county records confirming the prior lien was paid off prior to the original [redacted] transaction.
07/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017718
XXXX
  
34170832
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-23): Seller acknowledges the exception, no change to grading.
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017719
XXXX
  
34170836
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Processing Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
The Processing Fee was added to the LE dated [redacted] in the amount of $[redacted].  A COC was not found.  Please provide a valid COC, or post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-28): [redacted] received rebuttal and denial letter is sufficient.


Buyer Comment (2025-07-25): Loan loan# [redacted] is the  original file# from the prior partner/broker ([redacted]) as listed on the referenced loan application and noted on the previously provided denial letter. This is the same application and not [redacted] separate please review to clear this issue.


Reviewer Comment (2025-07-25): [redacted] received Denial letter for previous application with loan #[redacted]; however, file contains one more previous application with loan #[redacted]. kindly provide denial letter for previous application with loan #[redacted].


Buyer Comment (2025-07-24): Please see the attachment.


Reviewer Comment (2025-07-24): [redacted] received rebuttal comment to exclude all LEs dated before [redacted]. However, the file has all the initial documents for the previous loan including intend to proceed from borrower. If the borrower has not proceeded with the previous loan we required denial letter or cancellation letter for previous loan to remove these LEs from testing.


Buyer Comment (2025-07-23): The prior loan estimates can be disregarded, as they refer to a different loan number. The loan estimate on [redacted], is the initial loan estimate on this loan.
07/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017719
XXXX
  
34170837
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Credit Report Fee was was increased to  $[redacted] on the Loan Estimate dated [redacted].  No valid COC was provided for this change, nor evidence of cure. Please provide a valid COC or provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-28): [redacted] received rebuttal and denial letter is sufficient.


Buyer Comment (2025-07-25): Loan loan# [redacted] is the  original file# from the prior partner/broker ([redacted]) as listed on the referenced loan application and noted on the previously provided denial letter. This is the same application and not [redacted] separate please review to clear this issue.


Reviewer Comment (2025-07-25): [redacted] received Denial letter for previous application with loan #[redacted]; however, file contains one more previous application with loan #[redacted]. kindly provide denial letter for previous application with loan #[redacted].


Buyer Comment (2025-07-24): Please see the attachment.


Reviewer Comment (2025-07-24): [redacted] received rebuttal comment to exclude all LEs dated before [redacted]. However, the file has all the initial documents for the previous loan including intend to proceed from borrower. If the borrower has not proceeded with the previous loan we required denial letter or cancellation letter for previous loan to remove these LEs from testing.


Buyer Comment (2025-07-23): The prior loan estimates can be disregarded, as they refer to a different loan number. The loan estimate on [redacted], is the initial loan estimate on this loan.
07/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017719
XXXX
  
34170838
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Monitoring Service.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
The Credit Monitoring Service Fee in the amount of $[redacted] was added on the Loan Estimate dated [redacted].  No valid COC was provided for this change, nor evidence of cure. Provide a valid COC or provide a post close CD disclosing the tolerance violation of $[redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-28): [redacted] received rebuttal and denial letter is sufficient.


Buyer Comment (2025-07-25): Loan loan# [redacted] is the  original file# from the prior partner/broker ([redacted]) as listed on the referenced loan application and noted on the previously provided denial letter. This is the same application and not [redacted] separate please review to clear this issue.


Reviewer Comment (2025-07-25): [redacted] received Denial letter for previous application with loan #[redacted]; however, file contains one more previous application with loan #[redacted]. kindly provide denial letter for previous application with loan #[redacted].


Buyer Comment (2025-07-24): Please see the attachment.


Reviewer Comment (2025-07-24): [redacted] received rebuttal comment to exclude all LEs dated before [redacted]. However, the file has all the initial documents for the previous loan including intend to proceed from borrower. If the borrower has not proceeded with the previous loan we required denial letter or cancellation letter for previous loan to remove these LEs from testing.


Buyer Comment (2025-07-23): The prior loan estimates can be disregarded, as they refer to a different loan number. The loan estimate on [redacted], is the initial loan estimate on this loan.
07/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017719
XXXX
  
34170839
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
The Tax Service Fee (Life Of Loan) Fee increased to $[redacted] on the Loan Estimate dated [redacted].  No valid COC was provided for this change, nor evidence of cure. Please provide a valid COC or provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-28): [redacted] received rebuttal and denial letter is sufficient.


Buyer Comment (2025-07-25): Loan loan# [redacted] is the  original file# from the prior partner/broker ([redacted]) as listed on the referenced loan application and noted on the previously provided denial letter. This is the same application and not [redacted] separate please review to clear this issue.


Reviewer Comment (2025-07-25): [redacted] received Denial letter for previous application with loan #[redacted]; however, file contains one more previous application with loan #[redacted]. kindly provide denial letter for previous application with loan #[redacted].


Buyer Comment (2025-07-24): Please see the attachment.


Reviewer Comment (2025-07-24): [redacted] received rebuttal comment to exclude all LEs dated before [redacted]. However, the file has all the initial documents for the previous loan including intend to proceed from borrower. If the borrower has not proceeded with the previous loan we required denial letter or cancellation letter for previous loan to remove these LEs from testing.


Buyer Comment (2025-07-23): The prior loan estimates can be disregarded, as they refer to a different loan number. The loan estimate on [redacted], is the initial loan estimate on this loan.
07/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
409017719
XXXX
  
34170840
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
        
Buyer Comment (2025-07-23): seller accepts; no change to grading.
    
07/23/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017559
XXXX
  
34170843
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.
Disaster Name: ___
Disaster Declaration Date: ___
  
Property inspected post disaster but pre-FEMA declaration of disaster end date.
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]
SitusAMC,Originator
Reviewer Comment (2025-07-25): PDI supplied on [redacted]. No Damage.


Buyer Comment (2025-07-23): Disregard provided document. Pg [redacted] is the disaster inspection confirming no damage.


Buyer Comment (2025-07-23): Please see attached confirming no damage.
    
07/25/2025
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017559
XXXX
  
34170846
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided
  
The Underwriting and Transmittal Summary in file is not accurate.  Please provide revised Transmittal that aligns with the AUS.
      
Reviewer Comment (2025-07-24): Updated 1008 received. Exception cleared.


Buyer Comment (2025-07-24): Please see attached updated 1008.
07/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
409017560
XXXX
  
34170848
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to the addition of the [redacted] Fee added on the CD issued on [redacted].  A valid COC was not provided for this change, nor evidence of cure.  Please provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-25): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.


Buyer Comment (2025-07-24): Please see the attached for the corrected CD, LOE, check copy and shipping label.
  
07/25/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3563524221
XXXX
  
34313982
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file.
      
Reviewer Comment (2025-06-19): [redacted] received proof of receipt.


Buyer Comment (2025-06-18): Please see the attached screenshot confirming the last le was acknowledged on [redacted]. The loan closed [redacted] business days later on [redacted].
06/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Rate/Term
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3562324564
XXXX
  
34313985
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-07-24): Final Title policy received with coverage amount. Exception cleared.


Buyer Comment (2025-07-24): Please see attached final title policy
07/24/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Primary
Refinance - Cash-out - Other
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565030699
XXXX
  
34313992
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-24): Seller acknowledges the exception, no change to grading.


Buyer Comment (2025-07-24): Please see the attached final title policy.
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565492721
XXXX
  
34313995
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
A lender exception was made at origination due to the property being zoned commercial, which does not meet guidelines. Please provide a minimum of two credit comp factors (e.g. FICO, DTI, LTV, etc.) in order to downgrade this exception.
The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Borrower has verified disposable income of at least $[redacted].
DTI of [redacted]% is < guideline allowable DTI of [redacted]% by more than [redacted]%.

FICO of [redacted] exceeds guideline minimum by > [redacted] points.

Borrower has verified residual income of $[redacted]/month.
SitusAMC,Originator,Aggregator

Originator,Aggregator,SitusAMC

Originator,Aggregator,SitusAMC
Reviewer Comment (2025-07-25): Client elects to waive with compensating factors.


Buyer Comment (2025-07-24): Please apply the following compensating factors:
[redacted] FICO
[redacted]% DTI
$[redacted] monthly residual income
[redacted]+ months PITIA reserves
    
07/25/2025
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565492721
XXXX
  
34313997
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-24): Seller acknowledges exception, no change to grading.
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
Good Faith Redisclosure
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565492721
XXXX
  
34313999
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Reviewer Comment (2025-07-25): [redacted] received disclosure summary suffice


Buyer Comment (2025-07-24): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically.
07/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
No Defined Cure
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565492721
XXXX
  
34314000
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
  
The subject is located in a condo project. The file was missing the condo master insurance policy.
      
Reviewer Comment (2025-07-24): Received condo master insurance policy. Exception cleared.


Buyer Comment (2025-07-24): Please see the attached condo master insurance policy.
07/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3563627655
XXXX
  
34314006
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
        
Buyer Comment (2025-07-24): Seller acknowledges exception, no change to grading.
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3563726432
XXXX
  
34314010
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-25): [redacted] received Valid COC dated [redacted].


Buyer Comment (2025-07-24): Please see attached CIC for the increase to the appraisal fee. There was a $[redacted] rush fee
07/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3564621436
XXXX
  
34314013
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-30): Seller acknowledges the exception, no change to grading.
    
07/30/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565135871
XXXX
  
34314021
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-24): Seller acknowledges the exception, no change to grading.
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565135871
XXXX
  
34314022
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
  
The file was missing the Final Closing Statement for the sale of REO to verify the total net equity received and all liens are paid and closed. Please provide for review.
      
Reviewer Comment (2025-07-24): Received Closing Statement for the sale of REO " [redacted]" to verify the total net equity. Exception cleared.


Buyer Comment (2025-07-24): Please see the attached settlement statement.
07/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565195872
XXXX
  
34314025
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to the addition of the Title - CPL, Title - Recording Service and increase of the Title - Settlement/Closing Fees all on the LE issued on [redacted].   No valid COC was provided for this change, nor evidence of cure. Provide a valid COC or a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-31): [redacted] received corrected PCCD and LOE moving the borrower shopped fees from section [redacted] to [redacted].


Buyer Comment (2025-07-31): Please see the attached package curing the issue.


Reviewer Comment (2025-07-25): [redacted] received rebuttal comment. However, title fees are moved to section [redacted] on final CD and fees are tested under [redacted]% tolerance. Provider listed on SSPL is [redacted] and [redacted]. But fees on CD were paid to [redacted].  Appears borrower shopped for title fees.  Please provide more information on moving the fee to section [redacted] or Corrected CD moving the title fees to Section [redacted] and LOE to borrower required to cure.


Buyer Comment (2025-07-24): Please be advised the fees increased while in Section [redacted] and were later moved to Section [redacted], the move does not require a CIC.
07/31/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565195872
XXXX
  
34314026
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Loan Discount Points Fee was last disclosed as $[redacted] on the Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Please provide a valid COC, or provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-31): [redacted] sufficient cure provided for lender credit.


Buyer Comment (2025-07-31): Please see the attached package curing the issue.


Reviewer Comment (2025-07-25): [redacted] received rebuttal and the COC dated [redacted] for change in rate due to which the points were increased however, on CD dated [redacted] the increased points ($[redacted]) were paid by lender and on final CD the same portion was paid by the borrower. Please provide more information on why the fee was changed from lender paid to borrower paid or cure would be required.


Buyer Comment (2025-07-24): Please see the attached CIC that the partner requested a change to the rate which affected the loan points.
07/31/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565195872
XXXX
  
34314028
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as $-[redacted] on the Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Please provide a valid COC for this change or provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-31): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (2025-07-31): Please see the attached package curing the issue.
  
07/31/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3564242454
XXXX
  
34314045
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
        
Buyer Comment (2025-07-24): seller accepts; no change to grading.
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Second Home
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565134681
XXXX
  
34314060
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-24): seller accepts; no change to grading.
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Rate/Term
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565134681
XXXX
  
34314061
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)
Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
        
Buyer Comment (2025-07-24): seller accepts; no change to grading.
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Rate/Term
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565447080
XXXX
  
34314066
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-24): Seller acknowledges exception, no change in grading
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565447080
XXXX
  
34314067
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure disclosed an amount financed of $[redacted]; calculated amount financed is $[redacted]. Variance is $[redacted]which consists of the Appraisal Management Fee and Flood Determination Fees.
      
Reviewer Comment (2025-08-12): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD


Buyer Comment (2025-08-12): Please see the cure redisclosure package attached along with confirmation this was mailed to the borrower
  
08/12/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565447080
XXXX
  
34314068
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure disclosed a finance charge of $[redacted]; calculated finance charge is $[redacted]. Variance is $[redacted]which consists of the Appraisal Management Fee and Flood Determination Fees.
      
Reviewer Comment (2025-08-12): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD


Buyer Comment (2025-08-12): Please see the cure redisclosure package attached along with confirmation this was mailed to the borrower
  
08/12/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565524375
XXXX
  
34314070
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Additional [redacted]-Day Waiting  Period Timing Test - Regular Transaction
TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least [redacted] days prior to closing dated [redacted] disclosed an inaccurate APR of [redacted]%  compared to the actual APR at consummation of [redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least [redacted] business days prior to consummation.
        
Buyer Comment (2025-08-21): Seller acknowledges exception, no change to grading.


Reviewer Comment (2025-07-30): The issue is that need to provide a CD with an accurate APR and the borrower must receive that CD at least [redacted] days prior to consummation.The only CD received [redacted] days prior to consummation is the [redacted] CD and we would then compare the APR on that CD to the actual APR at consummation.  So [redacted] Initial CD APR of [redacted]% & Finance Charge of $[redacted] compared to actual Calculated APR of [redacted]% and actual finance charge of $[redacted].  Since the APR on the [redacted] CD compared to actual APR decreased, it's an overstated APR but it's only considered accurate if it was based on an overstated finance charge.  However, since the finance charge on [redacted] is not accurate (under disclosed compared to actual finance charge), then the overstated APR on the [redacted] CD is not considered accurate.  We can use same write up/comment as prior loans with similar change:  Pursuant to [redacted], the disclosed APR is considered accurate if 1) the rate results from the disclosed finance charge; AND 2) the disclosed finance charge would be considered accurate under [redacted], [redacted], or [redacted] as applicable.  The APR on the most recent CD received at least [redacted] days prior to consummation ([redacted] CD) is not considered accurate as the finance charge it is based on ($[redacted] disclosed on the [redacted] CD) is not accurate as compared to the actual finance charge at consummation ($[redacted]).


Buyer Comment (2025-07-29): Please see attached, [redacted] request dated [redacted] which confirmed the initial CD APR was correct at the time. [redacted] clarified in FAQ "[redacted]. Is a creditor required to ensure that a consumer receives a corrected Closing Disclosure at least [redacted] business days before consummation if the APR decreases (i.e., the previously disclosed APR is overstated)". Per the above comment and the reggie request confirming the initial CD was accurate at the time, we do not need to re open the [redacted] day waiting period when a APR is overstated.


Reviewer Comment (2025-07-25): [redacted] and [redacted] require that the consumer receives accurate disclosures with the actual terms of the transaction at least [redacted] specific/precise business days prior to consummation.  If the APR disclosed on the initial CD becomes inaccurate as defined under [redacted], revised disclosures with an accurate APR must be disclosed and a new [redacted]-day waiting period prior to consummation provided.  The APR on the most recent CD received [redacted] days prior to consummation ([redacted]%) changed more than the [redacted]%(regular transaction) threshold compared to the actual/calculated APR at consummation ([redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [redacted] business days prior to consummation.
    
08/21/2025
3
C
C
C
C
C
C
C
C
C
C
  
XXXX
Primary
Purchase
TRID timing exception, no remediation available.
C
C
A
A
C
C
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565801655
XXXX
  
34314074
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-24): Seller acknowledges the exception, no change to grading.
    
07/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3563467682
XXXX
  
34314077
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-29): Seller acknowledges. No change to grading.
    
07/29/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3563467682
XXXX
  
34314080
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Recording Fees. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-07-29): [redacted] received fee history and detailed comment for fee bifurcation.


Buyer Comment (2025-07-29): Per the attached internal screenshots, the recording fees have always been disclosed as $[redacted] since initial LE. They were bifurcated as Recording Fees and other Taxes- $[redacted] and Transfer Taxes - $[redacted] on the Initial LE. The fee name changed from Transfer Taxes - $[redacted] to Recording Fee- Other $[redacted] on the initial CD.
07/29/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3563825336
XXXX
  
34314083
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Subject is zoned agricultural which does not meet guidelines. Lender exception was approved at origination.
The qualifying DTI on the loan is less than or equal to [redacted]%.

Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.

The representative FICO score is above [redacted].
[redacted]% DTI

[redacted] months reserves verified.

[redacted] FICO
SitusAMC,Originator,Aggregator

SitusAMC

SitusAMC
Reviewer Comment (2025-08-01): Client elects to waive with compensating factors.


Buyer Comment (2025-07-30): Please apply the compensating factors listed on the 1008 to downgrade exception.
    
08/01/2025
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565192793
XXXX
  
34314093
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
The file was missing the HOA documentation for this property, please provide for review.
      
Reviewer Comment (2025-07-28): HOA document received. Exception cleared.


Buyer Comment (2025-07-28): Please see screen shot attached from [redacted] which confirms $[redacted]/mon in HOA dues.
https://www.[redacted]
07/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565443199
XXXX
  
34314095
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-28): Seller acknowledges the exception, no change to grading.
    
07/28/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3564338760
XXXX
  
34314106
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Subject is zoned agricultural which does not meet lender's guidelines. Please provide the credit compensating factors for the guideline exception made. Exception to be reviewed for a downgrade upon receipt.
Borrower has been employed in the same industry for more than [redacted] years.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.
Borrower has been self-employed for [redacted] years.

Representative FICO is [redacted]

Reserves of $[redacted] are > [redacted] months PITIA.
Originator,Aggregator,SitusAMC

SitusAMC,Originator,Aggregator

Originator,Aggregator,SitusAMC
Reviewer Comment (2025-08-07): Client elects to waive with compensating factors.


Buyer Comment (2025-08-05): Compensating Factors to Waive this exception are:

- Median FICO is [redacted]
- DTI is [redacted]%, Housing ratio is [redacted]%
- LTV/CLTV is [redacted]%
- $[redacted] in excess reserves.
- Self employment income for a business operating for [redacted] years.
- No derogatory credit reporting.
- [redacted]+ years of mortgage history no lates.


Reviewer Comment (2025-08-01): The appraisal reflects a Zoning Classification of [redacted] which signifies Agricultural.  Please note, diligence was requested to set this exception at the time the loan was delivered.  Please provide the acceptable compensating credit factors (FICO, LTV, etc...) to waive this exception.


Buyer Comment (2025-07-30): The zoning description on the appraisal is Single Family Residential which meets guidelines, please review to clear this issue.
    
08/07/2025
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3564338760
XXXX
  
34314110
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared
      
Reviewer Comment (2025-08-20): Income/Loss and depreciation from the[redacted] interest in both [redacted] and Leverage adjusted under the borrower's cash flow based on client's guidelines. Income is in line with lender at [redacted]%. DTI exceptions have been downgraded to EV2's and waived at client's request. Loan designation and QM risk exceptions are cleared.


Buyer Comment (2025-08-20): Please see the attached for the updated 1008 and 1003 putting DTI at [redacted]%. Also included are the full business tax returns for the clients company [redacted]. The qualifying loss from this business has been reduced from $[redacted] to $[redacted] with the clients owning a combined [redacted]% of the company. Moreover, the clients own [redacted]% of [redacted] combined, income is updated to reflect this under borrower [redacted].

Once DTI is updated we'd like the credit and compliance exceptions downgraded from Ev3/C's to Ev2/B's or if possible cleared from Ev3/C's to Ev1/A's using the following comp factors.

- LTV/CLTV is [redacted]%
- Qualifying FICO is [redacted]
- $[redacted] in excess reserves
- Housing ratio is [redacted]%
- [redacted] years of mortgage history with no lates
- Self employed businesses operating for [redacted] years
- No derogatory credit history.


Reviewer Comment (2025-08-01): The borrower only has [redacted]% ownership of Leverage.  Based on this, only [redacted]% of depreciation can be utilized.  It is noted the co-borrower has the other [redacted]% ownership.  If client wishes to use the co-borrower's portion of the income from the business, please provide a revised 1008 and 1003 including this income in qualifying.


Buyer Comment (2025-07-30): The calculation being completed by [redacted] is incorrect. The full amount ([redacted]%) of depreciation should be added back per guidelines (not[redacted]%) for [redacted] at $[redacted] and $[redacted] in [redacted] and [redacted]. This applies to all depreciation added back for each qualifying income source, please escalate this loan within your credit team to have the income calculated appropriately.
08/20/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
XXXX
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3564338760
XXXX
  
34314111
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines
General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)
        
Reviewer Comment (2025-08-20): Income/Loss and depreciation from the CB's interest in both [redacted] and[redacted] adjusted under the borrower's cash flow based on client's guidelines. Income is in line with lender at [redacted]%, exception cleared.


Buyer Comment (2025-08-20): Please see the attached for the updated 1008 and 1003 putting DTI at [redacted]%. Also included are the full business tax returns for the clients company [redacted]. The qualifying loss from this business has been reduced from $[redacted] to $[redacted] with the clients owning a combined [redacted]% of the company. Moreover, the clients own [redacted]% of [redacted] combined, income is updated to reflect this under borrower [redacted].

Once DTI is updated we'd like the credit and compliance exceptions downgraded from Ev3/C's to Ev2/B's or if possible cleared from Ev3/C's to Ev1/A's using the following comp factors.

- LTV/CLTV is [redacted]%
- Qualifying FICO is [redacted]
- $[redacted] in excess reserves
- Housing ratio is [redacted]%
- [redacted] years of mortgage history with no lates
- Self employed businesses operating for [redacted] years
- No derogatory credit history.


Reviewer Comment (2025-08-01): The borrower only has [redacted]% ownership of Leverage.  Based on this, only [redacted]% of depreciation can be utilized.  It is noted the co-borrower has the other [redacted]% ownership.  If client wishes to use the co-borrower's portion of the income from the business, please provide a revised 1008 and 1003 including this income in qualifying.


Buyer Comment (2025-07-30): The calculation being completed by [redacted] is incorrect. The full amount ([redacted]%) of depreciation should be added back per guidelines (not[redacted]%) for [redacted] at $[redacted] and $[redacted] in [redacted] and [redacted]. This applies to all depreciation added back for each qualifying income source, please escalate this loan within your credit team to have the income calculated appropriately.
08/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3564338760
XXXX
  
34314112
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Investor qualifying total debt ratio discrepancy.
Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.
DTI is excessive due to the cash flow on [redacted]. Please provide support for the $[redacted]/ month considered. Diligence has considered K1/Net rental + [redacted]% of depreciation. No other eligible add-backs present on the [redacted]. Total qualifying income verified by diligence between [redacted]& [redacted]and [redacted] after consideration of Schedule [redacted] business losses is $[redacted].
The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.

Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.

The representative FICO score is above [redacted].
LTV of [redacted]% is < [redacted]%.

Reserves of $[redacted] are > [redacted] months PITIA.

FICO of [redacted] is > [redacted].
Originator,Aggregator,SitusAMC

Originator,Aggregator,SitusAMC

Originator,Aggregator,SitusAMC
Reviewer Comment (2025-08-20): Client elects to waive with compensating factors.


Buyer Comment (2025-08-20): Please see the attached for the updated 1008 and 1003 putting DTI at [redacted]%. Also included are the full business tax returns for the clients company [redacted]. The qualifying loss from this business has been reduced from $[redacted] to $[redacted] with the clients owning a combined [redacted]% of the company. Moreover, the clients own [redacted]% of [redacted] combined, income is updated to reflect this under borrower [redacted].

Once DTI is updated we'd like the credit and compliance exceptions downgraded from Ev3/C's to Ev2/B's or if possible cleared from Ev3/C's to Ev1/A's using the following comp factors.

- LTV/CLTV is [redacted]%
- Qualifying FICO is [redacted]
- $[redacted] in excess reserves
- Housing ratio is [redacted]%
- [redacted] years of mortgage history with no lates
- Self employed businesses operating for [redacted] years
- No derogatory credit history.


Reviewer Comment (2025-08-01): The borrower only has [redacted]% ownership of Leverage.  Based on this, only [redacted]% of depreciation can be utilized.  It is noted the co-borrower has the other [redacted]% ownership.  If client wishes to use the co-borrower's portion of the income from the business, please provide a revised 1008 and 1003 including this income in qualifying.


Buyer Comment (2025-07-30): The calculation being completed by [redacted] is incorrect. The full amount ([redacted]%) of depreciation should be added back per guidelines (not[redacted]%) for [redacted] at $[redacted] and $[redacted] in [redacted] and [redacted]. This applies to all depreciation added back for each qualifying income source, please escalate this loan within your credit team to have the income calculated appropriately.
    
08/20/2025
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3564338760
XXXX
  
34314113
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
        
Reviewer Comment (2025-08-20): Income/Loss and depreciation from the [redacted] interest in both [redacted] and Leverage adjusted under the borrower's cash flow based on client's guidelines. Income is in line with lender at  [redacted]%. DTI exceptions have been downgraded to EV2's and waived at client's request. Loan designation and QM risk exceptions are cleared.


Buyer Comment (2025-08-20): Please see the attached for the updated 1008 and 1003 putting DTI at [redacted]%. Also included are the full business tax returns for the clients company [redacted]. The qualifying loss from this business has been reduced from $[redacted] to $[redacted] with the clients owning a combined [redacted]% of the company. Moreover, the clients own [redacted]% of [redacted] combined, income is updated to reflect this under borrower [redacted].

Once DTI is updated we'd like the credit and compliance exceptions downgraded from Ev3/C's to Ev2/B's or if possible cleared from Ev3/C's to Ev1/A's using the following comp factors.

- LTV/CLTV is [redacted]%
- Qualifying FICO is [redacted]
- $[redacted] in excess reserves
- Housing ratio is [redacted]%
- [redacted] years of mortgage history with no lates
- Self employed businesses operating for [redacted] years
- No derogatory credit history.


Reviewer Comment (2025-08-01): The borrower only has [redacted]% ownership of Leverage.  Based on this, only [redacted]% of depreciation can be utilized.  It is noted the co-borrower has the other [redacted]% ownership.  If client wishes to use the co-borrower's portion of the income from the business, please provide a revised 1008 and 1003 including this income in qualifying.


Buyer Comment (2025-07-30): The calculation being completed by [redacted] is incorrect. The full amount ([redacted]%) of depreciation should be added back per guidelines (not[redacted]%) for [redacted] at $[redacted] and $[redacted] in [redacted] and [redacted]. This applies to all depreciation added back for each qualifying income source, please escalate this loan within your credit team to have the income calculated appropriately.
08/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3564338760
XXXX
  
34314114
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines
General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.)
DTI is excessive due to self-employed income variances from multiple businesses.
The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.

Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.

The representative FICO score is above [redacted].
LTV of [redacted]% is < [redacted]%.

Reserves of $[redacted] are > [redacted] months PITIA.

FICO of [redacted] is > [redacted].
Originator,Aggregator,SitusAMC

Originator,Aggregator,SitusAMC

Originator,Aggregator,SitusAMC
Reviewer Comment (2025-08-20): Client elects to waive with compensating factors.
    
08/20/2025
2
  
B
  
B
  
B
  
B
  
B
  
XXXX
Primary
Refinance - Cash-out - Other
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565437965
XXXX
  
34314121
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-29): Seller acknowledges exception, no change in grading
    
07/29/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565488247
XXXX
  
34314124
    
Credit
Insurance
Insurance Documentation
Insurance
Missing Document: Flood Insurance Policy not provided
          
Reviewer Comment (2025-07-28): Flood Insurance document received. Exception cleared.


Buyer Comment (2025-07-28): Please note that a signed application for flood insurance meets guidelines and is located on page [redacted] as previously mentioned.


Buyer Comment (2025-07-28): Please refer to page [redacted] DOC ID [redacted] for the flood application and see attached confirmation from internal escrow monitoring system of policy and premium.
07/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3563218815
XXXX
  
34314134
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as -$[redacted] on the Loan Estimate, but was disclosed as -$[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-08-07): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD


Buyer Comment (2025-08-07): Attached mailing


Reviewer Comment (2025-08-07): [redacted] received Corrected PCCD, LOE and Refund check; however, proof of Mailing with tracking ID not provided. Provide proof of Mailing.


Buyer Comment (2025-08-06): Please see attached PCCD curing the issue.
  
08/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3563218815
XXXX
  
34314135
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-08-01): Final Title Policy provided.  Exception cleared.
08/01/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3563218815
XXXX
  
34314136
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-07-30): Received final title policy. Exception cleared


Buyer Comment (2025-07-29): Please see attached W2's.


Buyer Comment (2025-07-29): Please see attached final title policy confirming sufficient coverage.
07/30/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3563218815
XXXX
  
34314137
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
[redacted] W-2 for [redacted] is blank.  Please provided a completed copy for review.
      
Reviewer Comment (2025-07-30): Received [redacted] W-2 for the borrower. Exception cleared


Buyer Comment (2025-07-29): Please see attached W2's.
07/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3564332726
XXXX
  
34314144
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-29): Seller acknowledges exception, no change to grading.
    
07/29/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Second Home
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565450159
XXXX
  
34314150
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-07-30): Final title policy provided, exception cleared.
07/30/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Refinance - Rate/Term
  
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565450159
XXXX
  
34314151
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-07-29): Final Title policy received with coverage amount. Exception cleared.


Buyer Comment (2025-07-29): Please see the attached final title policy
07/29/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Primary
Refinance - Rate/Term
  
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565450159
XXXX
  
34314153
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Reviewer Comment (2025-07-30): [redacted] received proof of earlier receipt of LE


Buyer Comment (2025-07-29): Please see the attached from our LOS online documents portal confirming the client viewed the LE from [redacted] on [redacted]
07/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Rate/Term
No Defined Cure
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565691039
XXXX
  
34314155
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-30): Seller acknowledges the exception, no change to grading.
    
07/30/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565795197
XXXX
  
34314159
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-07-29): Final Title policy received with coverage amount. Exception cleared.


Buyer Comment (2025-07-29): Please see the attached final title noting the coverage amount.
07/29/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Primary
Purchase
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3566422581
XXXX
  
34314165
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Loan Estimate Timing
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application.
Verification of earlier borrower receipt of the initial Loan Estimate is missing from the file.
      
Reviewer Comment (2025-07-30): [redacted] received [redacted] LE


Buyer Comment (2025-07-29): Please see receipt of the [redacted] LE attached
07/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3566422581
XXXX
  
34314166
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Loan Estimate [redacted] Day Waiting Period
TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least [redacted] business days prior to closing.
Only final LE was included in file.
      
Reviewer Comment (2025-07-30): [redacted] received proof of earlier electronic receipt


Buyer Comment (2025-07-29): Please see a copy of the initial LE disclosed [redacted] attached
07/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Cash-out - Other
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3566422581
XXXX
  
34314167
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted] received [redacted] initial LE.  Rate was not locked.  The only other LE is issued [redacted] and shows rate locked, however, the changed circumstance history reflects that Rate locked on [redacted] and is not within [redacted] business days of the [redacted] LE.  Provide missing LE's to match to changed circumstances or provide additional valid changed circusmtance.
      
Reviewer Comment (2025-08-04): [redacted] received COC dated [redacted] and LE dated [redacted].


Buyer Comment (2025-08-01): Please see the screen shots attached from our internal UW system confirming a valid CIC. The screen shot attached confirm the appraisal was received on [redacted]. The estimated value was $[redacted]  and it came in lower at $[redacted]. This cause the LTV to increase and causing pricing related LTV changes with LTV at [redacted]%. The screen shots confirm this caused the fee to increase from $[redacted] to $[redacted] on [redacted]. The fee then decreased to $[redacted]. We have also attached the other [redacted] LE you noted was missing showing the rate was locked.


Buyer Comment (2025-08-01): Please see the screen shots attached from our internal UW system confirming a valid CIC. The screen shot attached confirm the appraisal was received on [redacted]. The estimated value was $[redacted] and it came in lower at $[redacted]. This cause the LTV to increase and causing pricing related LTV changes with LTV at [redacted]%. The screen shots confirm this caused the fee to increase from $[redacted] to $[redacted] on [redacted]. The fee then decreased to $[redacted]. We have also attached the other [redacted] LE you noted was missing showing the rate was locked.
08/04/2025
    
1
  
A
  
A
  
A
  
A
  
A
  
XXXX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3562216811
XXXX
  
34314181
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted].  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the recording fees and [redacted] fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-08-07): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (2025-08-06): Please see the full cure package and proof of delivery attached


Reviewer Comment (2025-08-05): [redacted] received copy of refund check, proof of mailing and LOE but PCCD provided is having only page [redacted]. Please provide complete pages of PCCD to cure.


Buyer Comment (2025-08-04): Please see the cure redisclosure pkg attached
  
08/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565657957
XXXX
  
34314186
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Additional [redacted]-Day Waiting  Period Timing Test - Regular Transaction
TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least [redacted] days prior to closing dated [redacted] disclosed an inaccurate APR of [redacted]%  compared to the actual APR at consummation of [redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least [redacted] business days prior to consummation.
        
Buyer Comment (2025-08-21): Seller acknowledges the exception, no change to grading.


Reviewer Comment (2025-07-31): The documentation provided confirms lender delivery of the [redacted] CD, but not borrower receipt. In order to consider the [redacted] delivery date for the [redacted] CD, evidence of borrower receipt is required. Exception remains.


Buyer Comment (2025-07-30): Please see the attached from our LOS confirming the client was emailed the redisclosure package from [redacted] on [redacted] which included the CD dated [redacted] and the transmission was successful. This is sufficient evidence to prove client receipt and clear this issue.


Reviewer Comment (2025-07-29): Pursuant to [redacted], the disclosed APR is considered accurate if 1) the rate results from the disclosed finance charge; and 2) the disclosed finance charge would be considered accurate under [redacted], [redacted], or [redacted] as applicable.  The APR on the most recent CD received at least [redacted] days prior to consummation ([redacted] CD) is not considered accurate as it is based on the finance charge disclosed on the [redacted] CD which is not accurate as compared to the actual APR at consummation.  HOWEVER, there is a [redacted] CD in file that reflects an overstated APR and overstated finance charge.  If the [redacted] CD was received by consumer on [redacted], this would be [redacted] business days prior to consummation and would meet the [redacted]-day timing requirement to provide a revised CD with accurate APR at least [redacted] days prior to consummation.  If [redacted] CD was received earlier than [redacted] rule, please provide evidence of earlier receipt for review.


Buyer Comment (2025-07-28): Please see the attached compliance reports from [redacted] for the APR of [redacted]% and [redacted] for the APR of [redacted]%.. This documentation will confirm the prior APR was accurate.


Reviewer Comment (2025-07-25): [redacted] received rebuttal that lowered APR and financial benefit.  However,  if change in APR exceeds the .[redacted]% but Finance Charge increases, as in this case, the APR is not considered accurate which then requires the waiting period. [redacted] clarified in FAQ quote: [redacted]. Is a creditor required to ensure that a consumer receives a corrected Closing Disclosure at least [redacted] business days before consummation if the APR decreases (i.e., the previously disclosed APR is overstated) The answer depends on whether the overstated APR that was previously disclosed on the Closing Disclosure is accurate or inaccurate under Regulation [redacted]. If the overstated APR is accurate under Regulation [redacted], the creditor must provide a corrected Closing Disclosure, but the creditor is permitted to provide it at or before consummation without a new [redacted] business-day waiting period. Missing lender's compliance report to compare lender finance charges to make a determination on APR calculation.  Provide for further analysis. Previous stated: [redacted] CFR § [redacted]. If the overstated APR is inaccurate under Regulation [redacted], the creditor must ensure that a consumer receives a corrected Closing Disclosure at least three business days before the loan's consummation (i.e., the inaccurate APR triggers a new [redacted]-business day waiting period). [redacted] CFR § [redacted]. A disclosed APR is accurate under Regulation [redacted] if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation [redacted], [redacted] CFR § [redacted]. For transactions secured by real property or a dwelling, Regulation [redacted] includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See [redacted] CFR § [redacted]. For example, if the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Thus, the creditor may provide the corrected Closing Disclosure to the consumer at consummation, and is not required to ensure that the consumer receives the corrected Closing Disclosure at least [redacted] business days before consummation.  [redacted] and [redacted] require that the consumer receives accurate disclosures with the actual terms of the transaction at least [redacted] specific/precise business days prior to consummation.  If the APR disclosed on the initial CD becomes inaccurate as defined under [redacted], revised disclosures with an accurate APR must be disclosed and a new [redacted]-day waiting period prior to consummation provided.  The APR on the most recent CD received [redacted] days prior to consummation ([redacted]%) changed more than the [redacted]%(regular transaction) threshold compared to the actual/calculated APR at consummation ([redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [redacted] business days prior to consummation.


Buyer Comment (2025-07-24): Please escalate this review within your compliance team. The clients APR was reduced from [redacted]% to [redacted]% providing a financial benefit within loan/repayment terms. This is a non-material issue considering a lower mortgage APR (Annual Percentage Rate) is generally viewed as more advantageous than a higher APR because it indicates that, overall, the client pays less in interest and certain associated fees over the life of the loan.


Reviewer Comment (2025-07-21): [redacted] and [redacted] require that the consumer receives accurate disclosures with the actual terms of the transaction at least [redacted] specific/precise business days prior to consummation.  If the APR disclosed on the initial CD becomes inaccurate as defined under [redacted], revised disclosures with an accurate APR must be disclosed and a new [redacted]-day waiting period prior to consummation provided.  The APR on the most recent CD received [redacted] days prior to consummation ([redacted]%) changed more than the [redacted]%(regular transaction) threshold compared to the actual/calculated APR at consummation ([redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [redacted] business days prior to consummation.
    
08/21/2025
3
C
C
C
C
C
C
C
C
C
C
  
XXXX
Primary
Purchase
TRID timing exception, no remediation available.
C
C
A
A
C
C
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3564941529
XXXX
  
34314196
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file.
      
Reviewer Comment (2025-07-30): [redacted] received earliest receipt of LE.


Buyer Comment (2025-07-30): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically.
07/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565600427
XXXX
  
34314198
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-08-06): Provided Final Title Policy Document. Exception Cleared
08/06/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565600427
XXXX
  
34314199
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-08-01): Final Title policy received with coverage amount. Exception cleared.


Buyer Comment (2025-08-01): Please see the final title policy with sufficient coverage attached
08/01/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565600427
XXXX
  
34314200
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared.
      
Reviewer Comment (2025-08-06): Provided Updated 1003 and 1008 Documents. RSU income is Re - Calculated, [redacted] RSU - Shares vested [redacted]- [redacted] = [redacted] shares. [redacted] * [redacted] = $[redacted]/[redacted] = $[redacted].[redacted] RSU - Shares vested [redacted] - [redacted] = [redacted] Shares. [redacted]*[redacted] = $[redacted] = $[redacted]. Exception Cleared.


Buyer Comment (2025-08-04): Please see attached
08/06/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
XXXX
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565600427
XXXX
  
34314201
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines
General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.)
        
Reviewer Comment (2025-08-06): Provided Updated 1003 and 1008 Documents. RSU income is Re - Calculated, [redacted] RSU - Shares vested [redacted]- [redacted] = [redacted] shares. [redacted] * [redacted] = $[redacted]/[redacted] = $[redacted].[redacted] RSU - Shares vested [redacted] - [redacted] = [redacted] Shares. [redacted]*[redacted] = $[redacted] = $[redacted]. Exception Cleared.


Buyer Comment (2025-08-04): Please see attached
08/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565600427
XXXX
  
34314203
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Investor qualifying total debt ratio discrepancy.
  
DTI is excessive due to inability to support [redacted] vested RSU shares in the most recent [redacted] months per the vesting schedule for the borrower. Please provide documentation to confirm RSU vested shares of [redacted], or provide a revised AUS/1008 including additional income. The 1008 notes and the final 1003 for the co-borrower reflect bonus and RSU reviewed, however, this was not considered by the lender.
      
Reviewer Comment (2025-08-06): Provided Updated 1003 and 1008 Documents. RSU income is Re - Calculated, [redacted] RSU - Shares vested [redacted]- [redacted] = [redacted] shares. [redacted] * [redacted] = $[redacted]/[redacted] = $[redacted].
[redacted] RSU - Shares vested [redacted] - [redacted] = [redacted] Shares. [redacted]*[redacted] = $[redacted] = $[redacted]. Exception Cleared.


Buyer Comment (2025-08-04): Please review Pg[redacted]-[redacted]/pg[redacted] which contains the vesting information for [redacted] with [redacted]. We revised our initial RSU calc for [redacted] that was previously using [redacted] shares, and updated it to use [redacted] shares. This increased the DTI but we have also updated [redacted] income calc to use RSU income which brings DTI back in line. Attached is the RSU calcs, along with updated 1003 and 1008
08/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565600427
XXXX
  
34314204
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
        
Reviewer Comment (2025-08-06): Provided Updated 1003 and 1008 Documents. RSU income is Re - Calculated, [redacted] RSU - Shares vested [redacted]- [redacted] = [redacted] shares. [redacted] * [redacted] = $[redacted]/[redacted] = $[redacted].[redacted] RSU - Shares vested [redacted] - [redacted] = [redacted] Shares. [redacted]*[redacted] = $[redacted] = $[redacted]. Exception Cleared.


Buyer Comment (2025-08-04): Please see attached
08/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565822823
XXXX
  
34314207
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-08-01): Received Final Title Policy with acceptable coverage.  Exception cleared.
08/01/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565822823
XXXX
  
34314209
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
          
Reviewer Comment (2025-08-01): Received Final Title Policy with acceptable coverage.  Exception cleared.


Buyer Comment (2025-07-30): Please see the attached final title policy.
08/01/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Primary
Purchase
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3559268299
XXXX
  
34314217
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-07-30): seller accepts; no change to grading.
    
07/30/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565024037
XXXX
  
34314221
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file.
      
Reviewer Comment (2025-07-31): [redacted] received earlier receipt of LE dated [redacted]


Buyer Comment (2025-07-31): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically.
07/31/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565906028
XXXX
  
34314230
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-08-01): Final Title policy received. Exception cleared.
08/01/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
XXXX
Primary
Purchase
  
C
B
B
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565906028
XXXX
  
34314231
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Reviewer Comment (2025-08-01): Final Title policy received. Exception cleared.


Buyer Comment (2025-08-01): Please see the attached final title policy.
08/01/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
XXXX
Primary
Purchase
  
C
B
B
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565906028
XXXX
  
34314233
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-08-07): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.


Buyer Comment (2025-08-06): Please see the attached cure package.
  
08/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3564342948
XXXX
  
34314236
    
Credit
Credit
Credit Documentation
Guideline
Missing Document: Asset not provided
  
The relocation summary supporting the sale of the departure residence states the greater of [redacted]% of the value or [redacted]% of the equity will be advanced, however, no preliminary or final settlement statements or disbursement docs from the relo company were provided. Please provide evidence of the equity disbursement provided from [redacted] as part of the employer relocation package.
      
Reviewer Comment (2025-08-04): Received Settlement Statement from Relocation company verifying funds received by the borrower.  Exception cleared.


Buyer Comment (2025-08-01): Please see the attachment.
08/04/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3566138590
XXXX
  
34314249
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
      
Reviewer Comment (2025-08-04): [redacted] received earliest receipt of LE.


Buyer Comment (2025-08-01): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically.
08/04/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3566427769
XXXX
  
34314252
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-08-01): Seller accepts; no change to grading.
    
08/01/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3566628372
XXXX
  
34314254
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
  
The file is missing the fully executed Final Closing Statement from the sale of the borrower's departing residence to verify proceeds in the amount of $[redacted], and that all liens are paid and closed. Please provide for review.
      
Reviewer Comment (2025-08-04): Received Closing Statement for sale of REO reflected as "final" and signed by the title company.  Exception cleared.


Buyer Comment (2025-08-04): Please be advised the document has Final indicated on the top of the statement and was signed by the title company as the certified copy. This is sufficient to confirm figures are accurate.


Reviewer Comment (2025-08-01): Received Final Closing Statement  for the property located [redacted] "[redacted]", however it is not signed by the Seller and Listing Agent / Broker. Exception remains.


Buyer Comment (2025-08-01): Please see the attached final settlement statement.
08/04/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3562463398
XXXX
  
34314258
    
Credit
Title
Document Error
Title
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
          
Buyer Comment (2025-08-01): Seller acknowledges the exception, no change to grading.
    
08/01/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565433765
XXXX
  
34314261
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file.
      
Reviewer Comment (2025-08-04): [redacted] received earliest receipt of LE.


Buyer Comment (2025-08-01): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically.
08/04/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
XXXX
Primary
Refinance - Rate/Term
No Defined Cure
D
B
B
B
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565433765
XXXX
  
34314262
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower.
Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
      
Reviewer Comment (2025-08-07): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.


Buyer Comment (2025-08-06): Please see the attached cure package mailed to the borrower.


Reviewer Comment (2025-08-05): [redacted] received rebuttal comment and appraisal invoice. However, An increase in the invoice amount is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. TRID Grid [redacted], Appendix, Additional Considerations, Row [redacted] indicates: To illustrate, see examples of sufficient vs. insufficient COC reasons. Please provide more information on why the fee was increased from what disclosed in good faith on initial LE or Cure is required.


Buyer Comment (2025-08-04): Please be advised this is a correspondent loan and [redacted] did not receive the appraisal invoice until [redacted] and was disclosed on the CD the same day. [redacted] would not have known the true cost of the appraisal until further information was provided from the correspondent partner. This is a valid CIC.
  
08/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
XXXX
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
D
B
B
B
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
3565433765
XXXX
  
34314264
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
        
Buyer Comment (2025-08-01): Seller acknowledges exception, no change to grading.
    
08/01/2025
2
B
B
B
B
B
B
B
B
B
B
  
XXXX
Primary
Refinance - Rate/Term
  
D
B
B
B
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
3565433765
XXXX
  
34314265
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: [redacted]
  
The file was missing the secondary valuation required for securitization purposes.
      
Reviewer Comment (2025-08-04): Received secondary valuation CDA document Exception Cleared.


Buyer Comment (2025-08-01): Please see attached secondary valuation supporting the full appraisal.
08/04/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
XXXX
Primary
Refinance - Rate/Term
  
D
B
B
B
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No



Valuation Report
          
Run Date - 10/8/2025 9:45:49 AM
        

SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Note Date
Original Loan Amount
Sales Price
Value for LTV
As-Is Value for LTV
LTV Value Variance Amount
LTV Value Variance Percent
Primary Valuation Value
Primary Valuation Report Date
Primary Valuation Effective Date
Primary Valuation Type
Primary Valuation Company
Primary Valuation Appraiser Name
Primary Valuation Appraiser License Num
Primary Valuation FSD Score
Secondary Valuation Value
Secondary Valuation Variance Amount
Secondary Valuation Variance Percent
Secondary Valuation Report Date
Secondary Valuation Effective Date
Secondary Valuation Type
Secondary Valuation Company
Secondary Valuation FSD Score
Secondary Valuation Desk Review Risk Score
AVM Value
AVM Variance Amount
AVM Variance Percent
AVM Company
AVM FSD Score
AVM Report Date
Desk Review Value
Desk Review Variance Amount
Desk Review Variance Percent
Desk Review Company
Desk Review Risk Score
Desk Review Report Date
Desk Review Effective Date
Desktop Appraisal Value
Desktop Appraisal Variance Amount
Desktop Appraisal Variance Percent
Desktop Appraisal Company
Desktop Appraisal Report Date
Desktop Appraisal Effective Date
BPO Value
BPO Variance Amount
BPO Variance Percent
BPO Company
BPO Report Date
Field Review Value
Field Review Variance Amount
Field Review Variance Percent
Field Review Company
Field Review Report Date
Field Review Effective Date
2055 Value
2055 Variance Amount
2055 Variance Percent
2055 Company
2055 Report Date
2055 Effective Date
AVE/CMA Value
AVE/CMA Variance Amount
AVE/CMA Variance Percent
AVE/CMA Company
AVE/CMA Report Date
Hybrid Valuation Value
Hybrid Valuation Variance Amount
Hybrid Valuation Variance Percent
Hybrid Valuation Company
Hybrid Valuation Report Date
Updated Valuation Value
Updated Valuation Variance Amount
Updated Valuation Variance Percent
Updated Valuation Company
Updated Valuation Report Date
Updated Valuation Effective Date
Aggregate Appraised Value
Aggregate Variance Amount
Aggregate Variance Percent
Value Analysis Valuation Value
Value Analysis Report Date
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?
LCA Risk Score
Collateral Underwriter Risk Score
XXXX
3560445371
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.20
XXXX
3563698516
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
409017569
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
409017609
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017615
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
409017624
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
409017576
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.00
XXXX
409017654
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
409017610
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.00
XXXX
409017623
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.30
XXXX
409017625
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.20
XXXX
409017644
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
409017566
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.20
XXXX
409017570
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.60
XXXX
409017586
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.80
XXXX
409017621
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.80
XXXX
409017643
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
409017657
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017593
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.50
XXXX
409017608
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.40
XXXX
409017631
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017563
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
409017616
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017619
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
4.10
XXXX
409017646
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017656
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.40
XXXX
409017686
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.80
XXXX
409017580
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.80
XXXX
409017592
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017611
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017618
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.70
XXXX
409017632
XXXX
              
0.000%
      
Appraisal
            
1.690%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.50
XXXX
409017634
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017642
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.90
XXXX
409017588
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.60
XXXX
409017601
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017630
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017651
XXXX
              
0.000%
      
Appraisal
            
-2.980%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.40
XXXX
409017659
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
409017689
XXXX
              
0.000%
      
Appraisal
            
-3.200%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.60
XXXX
409017603
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.10
XXXX
409017649
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.10
XXXX
409017650
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017652
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.20
XXXX
409017675
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017677
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017600
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.40
XXXX
409017626
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
5.00
XXXX
409017639
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
5.00
XXXX
409017662
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.80
XXXX
409017671
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.50
XXXX
409017571
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.70
XXXX
409017581
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.80
XXXX
409017598
XXXX
              
0.000%
      
Appraisal
            
-3.160%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.90
XXXX
409017635
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.80
XXXX
409017602
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
409017633
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.80
XXXX
409017673
XXXX
              
0.000%
      
Appraisal
            
-9.520%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.90
XXXX
409017682
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.60
XXXX
409017684
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.10
XXXX
409017695
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.60
XXXX
409017564
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.40
XXXX
409017584
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.80
XXXX
409017647
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.60
XXXX
409017573
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
409017599
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.50
XXXX
409017629
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.70
XXXX
409017640
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017641
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
5.00
XXXX
409017678
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017575
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.10
XXXX
409017577
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
4.60
XXXX
409017583
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017589
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.50
XXXX
409017614
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.20
XXXX
409017617
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017620
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017661
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.20
XXXX
409017663
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.90
XXXX
409017665
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.90
XXXX
409017668
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.00
XXXX
409017672
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
5.00
XXXX
409017681
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
409017687
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
409017693
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
409017694
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
409017698
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017706
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.20
XXXX
409017707
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.40
XXXX
409017710
XXXX
              
0.000%
      
Appraisal
            
-1.580%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.40
XXXX
409017711
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017716
XXXX
              
0.000%
      
Appraisal
            
-1.300%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.50
XXXX
409017578
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
409017579
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.80
XXXX
409017594
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
409017595
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.20
XXXX
409017596
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017606
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
4.60
XXXX
409017638
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017667
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.20
XXXX
409017679
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
409017685
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
409017691
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
5.00
XXXX
409017692
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
    
XXXX
409017699
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.80
XXXX
409017700
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
409017701
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
4.50
XXXX
409017703
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
409017712
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
409017713
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.80
XXXX
409017717
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017718
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
409017719
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.90
XXXX
409017559
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.20
XXXX
409017560
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.30
XXXX
409017561
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3563524221
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
3562324564
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3560335614
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.10
XXXX
3560753032
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3565030699
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
5.00
XXXX
3565492721
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.00
XXXX
3561949784
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
3562758897
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.20
XXXX
3563627655
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
3563726432
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3564621436
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3564949517
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.30
XXXX
3565135871
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.90
XXXX
3565195872
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.70
XXXX
3565384924
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.30
XXXX
3563361350
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
3563948808
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.70
XXXX
3564242454
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3564848688
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.80
XXXX
3565134681
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
3565376905
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.40
XXXX
3565447080
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.20
XXXX
3565524375
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.30
XXXX
3565474928
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3565801655
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3563467682
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3563781658
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.80
XXXX
3563825336
XXXX
              
0.000%
      
Appraisal
            
-9.720%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
1.90
XXXX
3563942731
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
No
  
4.20
XXXX
3565192793
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
3565443199
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
3561920909
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
3562336694
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.40
XXXX
3562348305
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.10
XXXX
3564338760
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.20
XXXX
3564572367
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3564764844
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
3565437965
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.60
XXXX
3565488247
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.70
XXXX
3562237765
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
3563218815
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
3564058612
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
3564332726
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
5.00
XXXX
3565360126
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.30
XXXX
3565439525
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
3565444523
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3565450159
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3565691039
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3565795197
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3566422581
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.30
XXXX
3560753575
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.00
XXXX
3562216811
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
999.00
XXXX
3564290202
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3565657957
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
3564509611
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.60
XXXX
3564941529
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.90
XXXX
3565600427
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3565746150
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.30
XXXX
3565822823
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.70
XXXX
3565885505
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3565908649
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
3566266221
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
3559268299
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
3564904896
XXXX
              
0.000%
      
Appraisal
            
2.920%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.10
XXXX
3565024037
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
3565407085
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.20
XXXX
3565669926
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
3565906028
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
3564342948
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
4.10
XXXX
3564812014
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
3565053575
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.80
XXXX
3565117626
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.20
XXXX
3565667966
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.20
XXXX
3565745791
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.10
XXXX
3566138590
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.90
XXXX
3566427769
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.90
XXXX
3566628372
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
3562463398
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
3565433765
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.50
XXXX
3565676635
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3566062445
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00



Supplemental Data
        
Run Date - 10/8/2025 9:45:50 AM
      

SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
TILA Status Loan Designation
Exempt QM/ATR Equivalency
CDFI Bank Originated Loan
Application Date
TRID Tested
GSE
HOEPA Fees
TILA Fees
Rate Lock Date
Calculated APR
Original P&I
Qualifying P&I
Qualifying Rate
Is Borrower Non Occupant
Is Co Borrower Non Occupant
Borrower Employment Indicator
Co Borrower Employment Indicator
Co Borrower 2 Employment Indicator
Co Borrower 3 Employment Indicator
Co Borrower2 Length of Employment
Co Borrower3 Length of Employment
Borrower Foreign National Indicator
Co Borrower Foreign National Indicator
Co Borrower 2 Foreign National Indicator
Co Borrower 3 Foreign National Indicator
Borrower Country Name
Co Borrower Country Name
Co Borrower2 Country Name
Co Borrower3 Country Name
Residual Income
Num Units
Annual Property Tax
Annual Insurance Costs
Monthly Property Tax
Monthly Insurance Costs
HOA Name
HOA Address State
Fee Amount
Next Due Date
HOA Payment Frequency
Investor DTI
QM DTI
Non QM DTI
Original Credit Report Date
Qualifying Credit Score
Third Wage Earner Original FICO Equifax
Third Wage Earner Original FICO Experian
Third Wage Earner Original FICO Transunion
Fourth Wage Earner Original FICO Equifax
Fourth Wage Earner Original FICO Experian
Fourth Wage Earner Original FICO Transunion
Most Recent Updated Credit Report Date
Primary Wage Earner Updated FICO Equifax
Primary Wage Earner Updated FICO Experian
Primary Wage Earner Updated FICO Transunion
Secondary Wage Earner Updated FICO Equifax
Secondary Wage Earner Updated FICO Experian
Secondary Wage Earner Updated FICO Transunion
Third Wage Earner Updated FICO Equifax
Third Wage Earner Updated FICO Experian
Third Wage Earner Updated FICO Transunion
Fourth Wage Earner Updated FICO Equifax
Fourth Wage Earner Updated FICO Experian
Fourth Wage Earner Updated FICO Transunion
Most Recent Updated Co Borrower 2 FICO
Most Recent Updated Co Borrower 3 FICO
Co Borrower 2 Asset Verification Level
Co Borrower 3 Asset Verification Level
Co Borrower 2 Income Verification Level
Co Borrower 3 Income Verification Level
Co Borrower 2 Employment Verification Level
Co Borrower 3 Employment Verification Level
Asset Depletion Flag
Bank Statements Flag
Number of Statements
Type of Statements
Percent of Income From Statements
Borrower Business Ownership %
CoBorrower Business Ownership %
P&L Type
Income Doc Detail
Tax Return Doc Details
Document Level
Document Type
Most Recent Bankruptcy Type
Most Recent Bankruptcy Filing Date
Most Recent Bankruptcy Discharge Date
Number of Bankruptcy Events
Months Bankruptcy (7, 11)
Months Bankruptcy (13)
Most Recent Deed-in -Lieu Date
Number of Deed-in-Lieu Events
Months Deed-in-Lieu
Most Recent Short Sale Date
Number of Short Sale Events
Months Short Sale (or Pre FC)
Most Recent Foreclosure Date
Number of Foreclosure Events
Months Foreclosure
Prior Mortgage/Rent Late 30d in 24m
Prior Mortgage/Rent Late 60d in 24m
Prior Mortgage/Rent Late 90d in 24m
Has ACH
Guideline Name
UW Guideline Author
ATR QM Total Points and Fees Audit
Loan Regulation Benchmark Date
Benchmark Rate
HUD 1 Page 1 Credits Total
Collateral Underwriter Risk Score
AUS Decision System
Property Inspection Waiver (PIW)
Rating Result
Eligible For Rep and Warrant Relief Per Collateral Advisor
Is Equity Shared Loan
Investor Qualifying Rate
Borrower Years of W2s
CoBorrower Years of W2s
Years of Personal Tax Returns
Years of Business Tax Returns
Years of 4506T
Years of Tax Transcripts
Months of Personal Bank Statements
Months of Business Bank Statements
Months of Profit and Loss Statements
Expense Letter
Total DSCR
Total Inverse DSCR
Subordinate Lien Type
Is Shared Appreciation Mortgage
Duration of Payout Months
Seller VSH Indicator
Seller Indicated VSH Guideline
Validated VSH
IO Remaining Amortization Term at Recast
Maturity Date
Borrower Own Funds Cash Amount
Borrower Own Funds Percent
Is the Note an eNote
Borrower WVOE - # of Months of Income provided
Co Borrower WVOE - # of Months of Income provided
Co Borrower2 WVOE - # of Months of Income provided
Co Borrower3 WVOE - # of Months of Income provided
Were the origination guidelines utilized for this diligence review?
Title Evidence
Ownership Type
Borrower Type
Borrower Designation
Co Borrower Type
Co Borrower Designation
Co Borrower2 Type
Co Borrower2 Designation
Co Borrower3 Type
Co Borrower3 Designation
Senior Lien Position
Senior Lien Original Loan Amount
Senior Lien Original Interest Rate
Senior Lien Note Projected Closing Date
Senior Lien Current Balance
Senior Lien Current P&I
Loan Closed in the Name of an Entity
Note Executed by
Assumable Mortgage Flag
Leasehold Flag
Buydown Flag
Borrower Experian FICO Model Used
Borrower Equifax FICO Model Used
Borrower TransUnion FICO Model Used
Co Borrower Experian FICO Model Used
Co Borrower Equifax FICO Model Used
Co Borrower TransUnion FICO Model Used
Co Borrower2 Experian FICO Model Used
Co Borrower2 Equifax FICO Model Used
Co Borrower2 TransUnion FICO Model Used
Co Borrower3 Experian FICO Model Used
Co Borrower3 Equifax FICO Model Used
Co Borrower3 TransUnion FICO Model Used
Borrower Documentation Used to Determine Legal Residency
Co Borrower Documentation Used to Determine Legal Residency
Co Borrower2 Documentation Used to Determine Legal Residency
Co Borrower3 Documentation Used to Determine Legal Residency
Delayed Financing?
Months Reserves
Correspondent Type
Departure Residence
Rate Increase on Default
MERS Min Number
Co Borrower Other Income
Co Borrower Wage Income
Primary Housing Lates 0 6 Months 30
Primary Housing Lates 0 6 Months 60
Primary Housing Lates 0 6 Months 90
Primary Housing Lates 7 12 Months 30
Primary Housing Lates 7 12 Months 60
Primary Housing Lates 7 12 Months 90
Primary Housing Lates 13 24 Months 30
Primary Housing Lates 13 24 Months 60
Primary Housing Lates 13 24 Months 90
Primary Housing Lates 25 36 Months 30
Primary Housing Lates 25 36 Months 60
Primary Housing Lates 25 36 Months 90
Borrower 1 ITIN Flag
Borrower 2 ITIN Flag
Borrower 3 ITIN Flag
Borrower 4 ITIN Flag
XXXX
3560445371
XXXX
  
XXXX
      
Yes
No
XXXX
    
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Social Security]; 1099-SSA - 2024
[Borrower -  | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
[Borrower]; Transcripts (1040) - 2021
Full Documentation (F)
Retirement Income - Fully Verified
                            
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563698516
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017569
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
[Borrower]; Transcripts (1040) - 2021
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2021
[Coborrower]; 4506-C - 2021
[Coborrower]; Transcripts (1040) - No Results Returned - 2021
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017609
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
Permanent Resident Alien
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; Other - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Child Support]; Divorce Decree - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                
Resident Alien Card
      
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017615
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
Permanent Resident Alien
Permanent Resident Alien
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
  
25
    
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Passport
Passport
    
No
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017624
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017576
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Account Transcripts - 2022
[Borrower]; Account Transcripts - 2022
[Borrower]; Account Transcripts - 2022
[Borrower]; Transcripts (1040) - No Results Returned - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
[Borrower]; Transcripts (1040) - 2021
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017654
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017610
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2025
[Borrower -  | Primary Income - IRA Distribution]; 1099-R - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
Retirement Income - Fully Verified
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017623
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
      
1
                      
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017625
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2023
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017644
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
29
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017566
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
Permanent Resident Alien
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
[Borrower]; Transcripts (1040) - 2021
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2021
[Coborrower]; 4506-C - 2021
[Coborrower]; Transcripts (1040) - 2021
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
2
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Resident Alien Card
        
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017570
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; WVOE - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2021
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
0
0
4
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
8
10
    
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017586
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2023
[Borrower -  | Primary Income - Alimony]; Account Statements - 2025
[Borrower -  | Primary Income - Alimony]; Divorce Decree - 2022
[Borrower -  | Primary Income - Alimony]; Legal Separation Agreement - 2022
[Borrower -  | Non-Primary Income - Separate Maintenance]; Account Statements - 2025
[Borrower -  | Non-Primary Income - Separate Maintenance]; Legal Separation Agreement - 2022
[Borrower -  | Non-Primary Income - Child Support]; Account Statements - 2025
[Borrower -  | Non-Primary Income - Child Support]; Divorce Decree - 2022
[Borrower -  | Non-Primary Income - Child Support]; Legal Separation Agreement - 2022
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
    
N/A
No
XXXX
2
  
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017621
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2021
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2021
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
2
0
0
4
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017643
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; Employer Letter - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017657
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
1
1
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
    
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017593
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
1
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
    
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017608
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017631
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
1
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017563
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
          
Audited
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2020
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
1
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017616
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017619
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017646
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Business License - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
0
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
8
      
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017656
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Auto Allowance]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Auto Allowance]; Paystubs - 2024
[Borrower -  | Non-Primary Income - Auto Allowance]; Paystubs - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017686
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
2
0
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017580
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
4
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
26
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017592
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 Transcript - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017611
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017618
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
1
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
Retail
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017632
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
Permanent Resident Alien
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
            
Resident Alien Card
      
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017634
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017642
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2025
[Borrower -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Primary Income - IRA Distribution]; Account Statements - 2025
[Coborrower(s) -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
Retirement Income - Fully Verified
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017588
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017601
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
4
28
    
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017630
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017651
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
1
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
28
      
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017659
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2021
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
28
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017689
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
1
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017603
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Tax Return Extension - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
1
0
3
1
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017649
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017650
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2025
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2025
[Borrower -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Primary Income - Social Security]; Account Statements - 2025
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
Retirement Income - Fully Verified
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017652
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Personal - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2022
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017675
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
XXXX
  
XXXX
  
US Citizen
US Citizen
US Citizen
          
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
                                    
Level 4-Stated/Verified as defined
Level 5-Stated/Verified as defined
Level 3-Stated/Verified as defined
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
Individual
Individual
                
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
              
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017677
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017600
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017626
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
1
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017639
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017662
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2025
[Borrower -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2015
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017671
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
2
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017571
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; Year End Summary - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017581
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017598
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
XXXX
  
XXXX
  
US Citizen
US Citizen
US Citizen
          
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
                                    
Level 4-Stated/Verified as defined
Level 5-Stated/Verified as defined
Level 3-Stated/Verified as defined
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
2
0
2
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
Individual
Individual
                
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
              
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017635
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
2
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017602
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017633
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; VVOE - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Account Transcripts - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
    
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017673
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017682
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2025
[Borrower -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
Retirement Income - Fully Verified
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017684
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; WVOE - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
29
29
    
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017695
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017564
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2022
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2021
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
2
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
26
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017584
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
US Citizen
US Citizen
US Citizen
US Citizen
        
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
                              
Level 1-Not Stated/Not Verified
Level 1-Not Stated/Not Verified
Level 5-Stated/Verified as defined
Level 1-Not Stated/Not Verified
Level 3-Stated/Verified as defined
Level 1-Not Stated/Not Verified
No
No
            
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
[Borrower]; Transcripts (1040) - 2021
[Coborrower]; 1040 - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - No Results Returned - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2021
[Coborrower]; 4506-C - 2021
[Coborrower]; Transcripts (1040) - 2021
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
3
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
Individual
Individual
Individual
Individual
            
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
      
No
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017647
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017573
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - K-1 (< 25%)]; Employer Letter - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; Paystubs - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; W-2 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Primary Income - K-1 (< 25%)]; W-2 - 2023
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2022
[Borrower -  | Primary Income - K-1 (< 25%)]; W-2 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
3
0
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017599
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
17
      
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017629
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Account Transcripts - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Account Transcripts - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Account Transcripts - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Account Transcripts - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017640
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017641
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2022
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2022
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
3
0
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017678
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Coborrower(s) -  | Primary Income - Projected Income]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Projected Income]; Other - 2025
[Coborrower(s) -  | Primary Income - Projected Income]; WVOE - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
0
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
  
0
    
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017575
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017577
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Other - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2024
[Borrower -  | Non-Primary Income - VA Service Related Disability]; Other - 2025
[Borrower -  | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
3
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017583
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
[Borrower]; Transcripts (1040) - 2021
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017589
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
28
      
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017614
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017617
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Account Statements - 2025
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017620
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017661
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017663
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
1
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017665
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
    
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017668
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Pension]; Account Statements - 2025
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Non-Primary Income - Pension]; Account Statements - 2025
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
Retirement Income - Fully Verified
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017672
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017681
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
    
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017687
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
    
N/A
No
XXXX
2
2
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017693
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
1
0
3
2
      
No
          
No
      
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017694
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Other - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Vesting Schedule - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Tax Return Extension - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Tax Return Extension - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Tax Return Extension - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Tax Return Extension - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017698
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
2
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017706
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Disability]; Account Statements - 2025
[Borrower -  | Primary Income - Disability]; Award Letter / Continuance Letter - 2025
[Borrower -  | Primary Income - Disability]; Award Letter / Continuance Letter - 2024
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2025
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
Full Documentation (F)
Retirement Income - Fully Verified
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
    
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017707
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
Permanent Resident Alien
Permanent Resident Alien
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Sole Proprietor]; CPA Letter - 2025
[Coborrower(s) -  | Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Resident Alien Card
Resident Alien Card
      
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017710
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
2
0
2
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
  
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017711
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
    
N/A
No
XXXX
1
2
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017716
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
          
Audited
[Borrower -  | Primary Income - K-1 (< 25%)]; CPA Letter - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; Paystubs - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; W-2 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Primary Income - K-1 (< 25%)]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017578
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017579
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - K-1 (< 25%)]; Paystubs - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; Paystubs - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; W-2 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Primary Income - K-1 (< 25%)]; W-2 - 2023
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2022
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
[Borrower]; Transcripts (1040) - 2021
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017594
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017595
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Account Transcripts - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
1
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017596
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017606
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017638
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; WVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
1
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
0
9
    
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017667
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017679
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - No Results Returned - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - No Results Returned - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
1
0
3
1
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017685
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - No Results Returned - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - No Results Returned - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
2
1
0
3
1
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017691
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
Permanent Resident Alien
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
2
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Resident Alien Card
      
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017692
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2023
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
  
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017699
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
Permanent Resident Alien
Permanent Resident Alien
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
1
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
20
      
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Resident Alien Card
Resident Alien Card
      
XXXX
Retail
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017700
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
  
30
    
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017701
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Other - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017703
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; WVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Pension]; 1099-R - 2024
[Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
29
      
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017712
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017713
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017717
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Social Security]; 1099-SSA - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017718
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
29
      
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017719
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; VVOE - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017559
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
Yes
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Other - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Vesting Schedule - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017560
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2010
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
30
      
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
409017561
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Employer Letter - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563524221
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
1
1
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
28
28
    
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3562324564
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2002
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Coborrower(s) -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
1
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3560335614
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2021
[Borrower]; Transcripts (1040) - 2021
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
27
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3560753032
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565030699
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565492721
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3561949784
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; WVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
30
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3562758897
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563627655
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
Non-Permanent Resident Alien
      
XXXX
      
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                
VISA
        
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563726432
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
28
      
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564621436
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
    
N/A
No
XXXX
2
2
0
0
3
1
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564949517
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
0
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565135871
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565195872
XXXX
  
XXXX
      
Yes
Yes
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
Permanent Resident Alien
Permanent Resident Alien
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Resident Alien Card
Resident Alien Card
      
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565384924
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
1
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563361350
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Trust Income]; Account Statements - 2025
[Borrower -  | Non-Primary Income - Trust Income]; Trust Agreement - 2025
[Borrower -  | Non-Primary Income - Trust Income]; K-1 - 2024
[Borrower -  | Non-Primary Income - Trust Income]; K-1 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563948808
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Projected Income]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Projected Income]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Projected Income]; VVOE - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564242454
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; WVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Wages]; WVOE - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2022
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
3
  
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
29
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564848688
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565134681
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565376905
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Primary Income - Sole Proprietor]; W-2 - 2024
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Primary Income - Sole Proprietor]; W-2 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565447080
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
Permanent Resident Alien
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Sole Proprietor]; CPA Letter - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Wages]; Other - 2025
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Wages]; VVOE - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Projected Income]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Projected Income]; Other - 2025
[Coborrower(s) -  | Primary Income - Projected Income]; VVOE - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
            
Resident Alien Card
      
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565524375
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; Other - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
3
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565474928
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; VVOE - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
0
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565801655
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563467682
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Account Transcripts - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563781658
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563825336
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
Non-Permanent Resident Alien
Non-Permanent Resident Alien
    
XXXX
XXXX
    
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
VISA
Resident Alien Card
    
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563942731
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - K-1 (< 25%)]; Employer Letter - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; VVOE - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
No
No
XXXX
0
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565192793
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565443199
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3561920909
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Wages]; Other - 2025
[Coborrower(s) -  | Primary Income - Wages]; Other - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3562336694
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Pension]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2024
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2025
[Borrower -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
29
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3562348305
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2025
[Borrower -  | Primary Income - Projected Income]; VVOE - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564338760
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Other - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Other - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
0
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564572367
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564764844
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
          
Third Party Prepared (Unaudited)
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
1
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565437965
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
XXXX
  
XXXX
  
US Citizen
US Citizen
US Citizen
          
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
                                    
Level 1-Not Stated/Not Verified
  
Level 5-Stated/Verified as defined
Level 1-Not Stated/Not Verified
  
No
No
            
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
2
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
Individual
Individual
                
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
              
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565488247
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
1
0
3
1
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3562237765
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Non-Primary Income - Housing Allowance]; Paystubs - 2025
[Coborrower(s) -  | Non-Primary Income - Rations]; Paystubs - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Account Transcripts - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Account Transcripts - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Account Transcripts - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
3
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3563218815
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564058612
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
28
      
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564332726
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
Yes
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Employer Letter - 2023
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Asset Depletion]; Account Statements - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
2
    
XXXX
No
        
XXXX
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
30
      
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565360126
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower -  | Non-Primary Income - Farming]; 1040 - Schedule F - 2024
[Borrower -  | Non-Primary Income - Farming]; 1040 - Schedule F - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565439525
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
XXXX
  
XXXX
  
US Citizen
US Citizen
US Citizen
          
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
                                    
Level 4-Stated/Verified as defined
Level 5-Stated/Verified as defined
Level 3-Stated/Verified as defined
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
0
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
    
29
  
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
Individual
Individual
                
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
              
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565444523
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
Non-Permanent Resident Alien
      
XXXX
      
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                
Employment Authorization
        
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565450159
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
29
31
    
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565691039
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2025
[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2025
[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2025
[Coborrower(s) -  | Primary Income - Pension]; Award Letter / Continuance Letter - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
Retirement Income - Fully Verified
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
0
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565795197
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
1
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3566422581
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
30
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3560753575
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
2
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3562216811
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564290202
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565657957
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2022
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564509611
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Other - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564941529
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2022
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2022
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Other - 2022
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
3
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565600427
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
Non-Permanent Resident Alien
Non-Permanent Resident Alien
    
XXXX
XXXX
    
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Other - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Vesting Schedule - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; 1084 or income worksheet - Year Not Available
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Employment Authorization
Employment Authorization
      
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565746150
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565822823
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Primary Income - Wages]; Employer Letter - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
26
      
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565885505
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565908649
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3566266221
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
30
      
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3559268299
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - No Results Returned - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564904896
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Annuity]; Account Statements - 2025
[Borrower -  | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565024037
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Tax Return Extension - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565407085
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565669926
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
30
1
    
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
Retail
  
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565906028
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Other - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; Vesting Schedule - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
2
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564342948
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3564812014
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
2
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565053575
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Social Security]; 1099-SSA - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
0
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565117626
XXXX
  
XXXX
      
Yes
No
XXXX
    
XXXX
XXXX
XXXX
XXXX
No
Yes
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2022
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2022
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - No Results Returned - 2023
[Borrower]; 1040 - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Account Transcripts - 2022
[Borrower]; Account Transcripts - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Account Transcripts - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Account Transcripts - 2023
[Coborrower]; 1040 - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Account Transcripts - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
3
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565667966
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
XXXX
  
XXXX
  
US Citizen
Permanent Resident Alien
US Citizen
          
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
  
XXXX
                                    
Level 4-Stated/Verified as defined
Level 5-Stated/Verified as defined
Level 1-Not Stated/Not Verified
  
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; WVOE - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Paystubs - 2023
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
1
1
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
29
      
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
Individual
Individual
                
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Beacon 5.0
FICO Risk Score Classic 04
      
Resident Alien Card
      
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565745791
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
1
0
3
1
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3566138590
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
2
2
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3566427769
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
30
      
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
  
Yes
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3566628372
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
Permanent Resident Alien
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; VVOE - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
0
0
0
3
3
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Resident Alien Card
        
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3562463398
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
2
0
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565433765
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
XXXX
        
US Citizen
US Citizen
            
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Income - 2025
[Borrower -  | Non-Primary Income - Wages]; VVOE - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
2
1
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
17
      
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
XXXX
    
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3565676635
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
    
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
1
  
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
XXXX
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
XXXX
Retail
No
No
  
XXXX
XXXX
                        
No
No
No
No
XXXX
3566062445
XXXX
  
XXXX
      
Yes
No
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
No
No
XXXX
          
US Citizen
              
XXXX
1
XXXX
XXXX
XXXX
XXXX
          
XXXX
XXXX
XXXX
XXXX
XXXX
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
XXXX
XXXX
XXXX
    
XXXX
XXXX
  
XXXX
XXXX
XXXX
XXXX
  
XXXX
N/A
No
XXXX
0
  
0
0
3
2
    
XXXX
No
          
Yes
Mixed
Not Tested
  
XXXX
XXXX
  
No
30
      
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
XXXX
  
No
No
  
XXXX
XXXX
                        
No
No
No
No







ASF
      
Run Date - 10/8/2025 9:45:53 AM
    

Primary Servicer
Servicing Fee Percentage
Servicing Fee Flat Dollar
Servicing Advance Methodology
Originator
Loan Group
Loan Number
Amortization Type
Lien Position
Heloc Indicator
Loan Purpose
Cash Out Amount
Total Origination and Discount Points in Dollars
Covered High Cost Loan Indicator
Relocation Loan Indicator
Broker Indicator
Channel
Escrow Indicator
Senior Loan Amounts
Loan Type of Most Senior Lien
Hybrid Period of Most Senior Lien in Months
Neg Am Limit of Most Senior Lien
Junior Mortgage Balance
Origination Date of Most Senior Lien
Origination Date
Original Loan Amount
Original Interest Rate
Original Amortization Term
Original Term to Maturity
First Payment Date of Loan
Interest Type Indicator
Original Interest Only Term
Buy Down Period
HELOC Draw Period
Current Loan Amount
Current Interest Rate
Current Payment Amount Due
Interest Paid Through Date
Current Payment Status
Index Type
ARM Look Back Days
Gross Margin
ARM Round Flag
ARM Rounding Factor
Initial Fixed Rate Period
Initial Interest Rate Cap Change Up
Initial Interest Rate Cap Change Down
Subsequent Interest Rate Reset Period
Subsequent Interest Rate Change Down
Subsequent Interest Rate Change Up
Lifetime Maximum Rate Ceiling
Lifetime Minimum Rate Floor
Negative Amortization Limit
Initial Negative Amortization Recast Period
Subsequent Negative Amortization Recast Period
Initial Fixed Payment Period
Subsequent Payment Reset Period
Initial Periodic Payment Cap
Subsequent Periodic Payment Cap
Initial Minimum Payment Reset Period
Subsequent Minimum Payment Reset Period
Option ARM Indicator
Options at Recast
Initial Minimum Payment
Current Minimum Payment
Prepayment Penalty Calculation
Prepayment Penalty Type
Prepayment Penalty Total Term
Prepayment Penalty Hard Term
Primary Borrower ID
Number of Mortgaged Properties
Total Number of Borrowers
Self Employment Flag
Current Other Monthly Payment
Length of Employment Borrower
Length of Employment Co Borrower
Years in Home
FICO Model Used
Most Recent FICO Date
Primary Wage Earner Original FICO Equifax
Primary Wage Earner Original FICO Experian
Primary Wage Earner Original FICO Transunion
Secondary Wage Earner Original FICO Equifax
Secondary Wage Earner Original FICO Experian
Secondary Wage Earner Original FICO Transunion
Most Recent Primary Borrower FICO
Most Recent Co Borrower FICO
Most Recent FICO Method
Vantagescore Primary Borrower
Vantagescore Co Borrower
Most Recent Vantagescore Method
Vantagescore Date
Credit Report Longest Trade Line
Credit Report Maximum Trade Line
Credit Report Number of Trade Lines
Credit Line Usage Ratio
Most Recent 12 Month Pay History
Months Bankruptcy
Months Foreclosure
Primary Borrower Wage Income
Co Borrower Wage Income
Primary Borrower Other Income
Co Borrower Other Income
All Borrower Wage Income
All Borrower Total Income
4506T/C Indicator
Borrower Income Verification Level
Co Borrower Income Verification Level
Borrower Employment Verification Level
Co Borrower Employment Verification Level
Borrower Asset Verification Level
Co Borrower Asset Verification Level
Liquid Cash Reserves
Monthly Debt All Borrowers
Originator DTI
Fully Indexed Rate
Qualification Method
Percentage of Down Payment From Borrower Own Funds
City
State
Postal Code
Property Type
Occupancy
Sales Price
Original Appraised Property Value
Original Property Valuation Type
Original Property Valuation Date
Original Automated Valuation Model AVM Model Name
Original AVM Confidence Score
Most Recent Property Value
Most Recent Property Valuation Type
Most Recent Property Valuation Date
Most Recent AVM Model Name
Most Recent AVM Confidence Score
Original CLTV
Original LTV
Original Pledged Assets
Mortgage Insurance Company Name
Mortgage Insurance Percent
MI Lender or Borrower Paid
Pool Insurance Co Name
Pool Insurance Stop Loss Percent
MI Certificate Number
Updated DTI Front End
Updated DTI Back End
Modification Effective Payment Date
Total Capitalized Amount
Total Deferred Amount
Pre Modification Interest Note Rate
Pre Modification P&I Payment
Pre Modification Initial Interest Rate Change Downward Cap
Pre Modification Subsequent Interest Rate Cap
Pre Modification Next Interest Rate Change Date
Pre Modification IO Term
Forgiven Principal Amount
Forgiven Interest Amount
Number of Modifications
Real Estate Interest
Community Ownership Structure
Year of Manufacture
HUD Code Compliance Indicator Y/N
Gross Manufacturers Invoice Price
LTI Loan to Invoice Gross
Net Manufacturers Invoice Price
LTI Net
Manufacturer Name
Model Name
Down Payment Source
Community Related Party Lender Y/N
Defined Underwriting Criteria Y/N
Chattel Indicator
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
2
2
0
XXXX
XXXX
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
180
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
7
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
3
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
1
0
XXXX
XXXX
  
XXXX
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
40
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
    
XXXX
  
1
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
1
2
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
2
1
0
XXXX
XXXX
    
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
113
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
1
  
4
  
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
1
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
3
1
0
XXXX
XXXX
    
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
210
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
7
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
3
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
2
1
XXXX
XXXX
XXXX
XXXX
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
125
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
1
1
2
2
4
3
XXXX
XXXX
XXXX
  
1
    
XXXX
  
1
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
2
2
0
XXXX
XXXX
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
226
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
1
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
3
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
1
0
XXXX
XXXX
    
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
117
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
    
XXXX
  
7
2
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
3
XXXX
XXXX
0
0
0
1
0
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
1
0
XXXX
XXXX
  
XXXX
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
157
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
    
XXXX
  
7
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
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XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
2
2
0
XXXX
XXXX
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1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
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3
        
288
XXXX
XXXX
XXXX
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XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
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1
XXXX
  
XXXX
  
1
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
3
XXXX
XXXX
0
0
0
1
0
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
2
2
1
XXXX
XXXX
XXXX
XXXX
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
184
XXXX
XXXX
XXXX
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XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
1
XXXX
XXXX
XXXX
  
1
    
XXXX
  
7
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
0
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
2
1
0
XXXX
XXXX
    
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
135
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
7
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
1
0
XXXX
XXXX
    
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
132
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
7
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
2
1
XXXX
XXXX
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
62
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
1
3
1
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
7
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
3
XXXX
XXXX
0
0
1
2
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
7
2
1
XXXX
XXXX
XXXX
XXXX
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
40
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
2
1
3
1
4
4
XXXX
XXXX
XXXX
  
1
    
XXXX
  
1
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
6
XXXX
XXXX
0
0
1
2
0
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
2
0
XXXX
XXXX
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
155
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
1
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
1
2
0
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
3
2
0
XXXX
XXXX
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
37
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
1
1
1
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
1
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
3
XXXX
XXXX
0
0
0
5
0
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
1
1
XXXX
XXXX
  
XXXX
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
74
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
    
XXXX
  
1
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
9
XXXX
XXXX
0
0
1
2
0
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
2
0
XXXX
XXXX
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1
1
0
7
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
2
1
0
XXXX
XXXX
    
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
102
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
3
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
1
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
3
XXXX
XXXX
0
0
0
1
0
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
1
0
XXXX
XXXX
  
XXXX
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
312
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
    
XXXX
  
7
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
1
2
0
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
1
0
XXXX
XXXX
    
1
  
XXXX
XXXX
XXXX
      
XXXX
  
3
        
250
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
  
XXXX
  
XXXX
XXXX
1
5
  
3
  
4
  
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
1
1
  
XXXX
3
  
0
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
XXXX
1
1
0
7
XXXX
XXXX
0
0
0
1
4
                
XXXX
XXXX
XXXX
  
2
0
0
          
0
                                                          
0
  
1
2
0
XXXX
XXXX
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
101
XXXX
XXXX
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
2
1
3
1
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XXXX
  
1
1
  
XXXX
3
  
0
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                


ASF Addendum - Business Purpose
      
Run Date - 10/8/2025 9:45:56 AM
      

SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Seller Name
Originator Name
Guideline Author
Loan Program
Loan Program Date
Executed NOO Docs in File
Lease In Place Flag
Rental Purpose
Actual In Place Rent
Third Party Market Rent Estimate
Third Party Rent Source
Rental Income Used for Property DSCR Calculation
Rental Source for Property DTI Calculation
Calculated Monthly Debt
Property DTI
Investor DTI
Inverse DSCR
Net Operating Income
Total Debt Service
DSCR
Total DSCR
PITIA
Lease End Date
Original Lease Term
Lease in Place Flag Unit 1
Lease Start Date Unit 1
Lease End Date Unit 1
Original Lease Term Unit 1
Rental Purpose Unit 1
Actual In Place Rent Unit 1
Third Party Market Rent Estimate Unit 1
Lease in Place Flag Unit 2
Lease Start Date Unit 2
Lease End Date Unit 2
Original Lease Term Unit 2
Rental Purpose Unit 2
Actual In Place Rent Unit 2
Third Party Market Rent Estimate Unit 2
Lease in Place Flag Unit 3
Lease Start Date Unit 3
Lease End Date Unit 3
Original Lease Term Unit 3
Rental Purpose Unit 3
Actual In Place Rent Unit 3
Third Party Market Rent Estimate Unit 3
Lease in Place Flag Unit 4
Lease Start Date Unit 4
Lease End Date Unit 4
Original Lease Term Unit 4
Rental Purpose Unit 4
Actual In Place Rent Unit 4
Third Party Market Rent Estimate Unit 4
Lease in Place Flag Unit 5
Lease Start Date Unit 5
Lease End Date Unit 5
Original Lease Term Unit 5
Rental Purpose Unit 5
Actual In Place Rent Unit 5
Third Party Market Rent Estimate Unit 5
Lease in Place Flag Unit 6
Lease Start Date Unit 6
Lease End Date Unit 6
Original Lease Term Unit 6
Rental Purpose Unit 6
Actual In Place Rent Unit 6
Third Party Market Rent Estimate Unit 6
Lease in Place Flag Unit 7
Lease Start Date Unit 7
Lease End Date Unit 7
Original Lease Term Unit 7
Rental Purpose Unit 7
Actual In Place Rent Unit 7
Third Party Market Rent Estimate Unit 7
Lease in Place Flag Unit 8
Lease Start Date Unit 8
Lease End Date Unit 8
Original Lease Term Unit 8
Rental Purpose Unit 8
Actual In Place Rent Unit 8
Third Party Market Rent Estimate Unit 8
Lease in Place Flag Unit 9
Lease Start Date Unit 9
Lease End Date Unit 9
Original Lease Term Unit 9
Rental Purpose Unit 9
Actual In Place Rent Unit 9
Third Party Market Rent Estimate Unit 9
Lease in Place Flag Unit 10
Lease Start Date Unit 10
Lease End Date Unit 10
Original Lease Term Unit 10
Rental Purpose Unit 10
Actual In Place Rent Unit 10
Third Party Market Rent Estimate Unit 10
Rent Loss Insurance
Rent Loss Insurance Amount
HOA Flag
HOA Monthly Premium Amount
Monthly Property Tax
Monthly Insurance Cost
Asset Verification
Blanket Mortgage Flag
Number of Mortgaged Properties With Lender
Number of Properties
Foreign National Alternative Credit Documentation
Foreign National Borrower 1
Foreign National Borrower 2
Investor Type
Number of Years Property Owned
Borrower Residency Status
Co Borrower Residency Status
Qualifying Credit Score
Months Bankruptcy 7 11
Months Bankruptcy 13
Months Deed in Lieu
Months Short Sale or Pre FC
Prior Mtg Rent Late 30d in 12m
Prior Mtg Rent Late 60d in 12m
Prior Mtg Rent Late 90d in 12m
Prior Mtg Rent Late 30d in 24m
Prior Mtg Rent Late 60d in 24m
Prior Mtg Rent Late 90d in 24m
Section 8
Street Address
Borrower 1 Type
Borrower 1 Designation
Borrower 1 Employment Status
Borrower 1 First Name
Borrower 1 Last Name
Borrower 1 Number of Mortgaged Properties
Borrower 1 Citizenship
Borrower 1 Documentation Used to Determine Legal Residency
Borrower 1 Country Name
Borrower 1 Asset Verification Level
Borrower 1 Credit Order Date
Borrower 1 Experian FICO
Borrower 1 Experian FICO Model Used
Borrower 1 Equifax FICO
Borrower 1 Equifax FICO Model Used
Borrower 1 TransUnion FICO
Borrower 1 TransUnion FICO Model Used
Borrower 2 Type
Borrower 2 Designation
Borrower 2 Employment Status
Borrower 2 First Name
Borrower 2 Last Name
Borrower 2 Number of Mortgaged Properties
Borrower 2 Citizenship
Borrower 2 Documentation Used to Determine Legal Residency
Borrower 2 Country Name
Borrower 2 Asset Verification Level
Borrower 2 Credit Order Date
Borrower 2 Experian FICO
Borrower 2 Experian FICO Model Used
Borrower 2 Equifax FICO
Borrower 2 Equifax FICO Model Used
Borrower 2 TransUnion FICO
Borrower 2 TransUnion FICO Model Used
Borrower 3 Designation
Borrower 3 First Name
Borrower 3 Last Name
Borrower 3 Number of Mortgaged Properties
Borrower 3 Citizenship
Borrower 3 Documentation Used to Determine Legal Residency
Borrower 3 Country Name
Borrower 3 Asset Verification Level
Borrower 3 Credit Order Date
Borrower 3 Experian FICO
Borrower 3 Experian FICO Model Used
Borrower 3 Equifax FICO
Borrower 3 Equifax FICO Model Used
Borrower 3 TransUnion FICO
Borrower 3 TransUnion FICO Model Used
Borrower 4 Designation
Borrower 4 First Name
Borrower 4 Last Name
Borrower 4 Number of Mortgaged Properties
Borrower 4 Citizenship
Borrower 4 Documentation Used to Determine Legal Residency
Borrower 4 Country Name
Borrower 4 Asset Verification Level
Borrower 4 Credit Order Date
Borrower 4 Experian FICO
Borrower 4 Experian FICO Model Used
Borrower 4 Equifax FICO
Borrower 4 Equifax FICO Model Used
Borrower 4 TransUnion FICO
Borrower 4 TransUnion FICO Model Used
Personal Guarantee
Guarantor 1 First Name
Guarantor 1 Last Name
Guarantor 1 Business Ownership Percent
Guarantor 1 Recourse Type
Guarantor 1 Number of Mortgaged Properties
Guarantor 1 Citizenship
Guarantor 1 Documentation Used to Determine Legal Residency
Guarantor 1 Country Name
Guarantor 1 Asset Verification Level
Guarantor 1 Employment Verification Level
Guarantor 1 Income Verification Level
Guarantor 1 FICO Model Used
Guarantor 1 Credit Order Date
Guarantor 1 Experian FICO
Guarantor 1 Experian FICO Model Used
Guarantor 1 Equifax FICO
Guarantor 1 Equifax FICO Model Used
Guarantor 1 TransUnion FICO
Guarantor 1 TransUnion FICO Model Used
Guarantor 1 Most Recent Fico Method
Guarantor 2 First Name
Guarantor 2 Last Name
Guarantor 2 Business Ownership Percent
Guarantor 2 Recourse Type
Guarantor 2 Number of Mortgaged Properties
Guarantor 2 Citizenship
Guarantor 2 Documentation Used to Determine Legal Residency
Guarantor 2 Country Name
Guarantor 2 Asset Verification Level
Guarantor 2 Employment Verification Level
Guarantor 2 Income Verification Level
Guarantor 2 FICO Model Used
Guarantor 2 Credit Order Date
Guarantor 2 Experian FICO
Guarantor 2 Experian FICO Model Used
Guarantor 2 Equifax FICO
Guarantor 2 Equifax FICO Model Used
Guarantor 2 TransUnion FICO
Guarantor 2 TransUnion FICO Model Used
Guarantor 2 Most Recent Fico Method
Guarantor 3 First Name
Guarantor 3 Last Name
Guarantor 3 Business Ownership Percent
Guarantor 3 Recourse Type
Guarantor 3 Number of Mortgaged Properties
Guarantor 3 Citizenship
Guarantor 3 Documentation Used to Determine Legal Residency
Guarantor 3 Country Name
Guarantor 3 Asset Verification Level
Guarantor 3 Employment Verification Level
Guarantor 3 Income Verification Level
Guarantor 3 FICO Model Used
Guarantor 3 Credit Order Date
Guarantor 3 Experian FICO
Guarantor 3 Experian FICO Model Used
Guarantor 3 Equifax FICO
Guarantor 3 Equifax FICO Model Used
Guarantor 3 TransUnion FICO
Guarantor 3 TransUnion FICO Model Used
Guarantor 3 Most Recent Fico Method
Guarantor 4 First Name
Guarantor 4 Last Name
Guarantor 4 Business Ownership Percent
Guarantor 4 Recourse Type
Guarantor 4 Number of Mortgaged Properties
Guarantor 4 Citizenship
Guarantor 4 Documentation Used to Determine Legal Residency
Guarantor 4 Country Name
Guarantor 4 Asset Verification Level
Guarantor 4 Employment Verification Level
Guarantor 4 Income Verification Level
Guarantor 4 FICO Model Used
Guarantor 4 Credit Order Date
Guarantor 4 Experian FICO
Guarantor 4 Experian FICO Model Used
Guarantor 4 Equifax FICO
Guarantor 4 Equifax FICO Model Used
Guarantor 4 TransUnion FICO
Guarantor 4 TransUnion FICO Model Used
Guarantor 4 Most Recent Fico Method
Authorized Signor 1 First Name
Authorized Signor 1 Last Name
Authorized Signor 2 First Name
Authorized Signor 2 Last Name
Member 1 First Name
Member 1 Last Name
Member 1 Documentation Used to Determine Legal Residency
Member 1 Credit Order Date
Member 1 Experian FICO
Member 1 Experian FICO Model Used
Member 1 Equifax FICO
Member 1 Equifax FICO Model Used
Member 1 TransUnion FICO
Member 1 TransUnion FICO Model Used
Member 1 Asset Verification Level
Member 1 Employment Verification Level
Member 1 Income Verification Level
Member 2 First Name
Member 2 Last Name
Member 2 Documentation Used to Determine Legal Residency
Member 2 Credit Order Date
Member 2 Experian FICO
Member 2 Experian FICO Model Used
Member 2 Equifax FICO
Member 2 Equifax FICO Model Used
Member 2 TransUnion FICO
Member 2 TransUnion FICO Model Used
Member 2 Asset Verification Level
Member 2 Employment Verification Level
Member 2 Income Verification Level
Loan Application Date
Sales Contract Date
Qualifying Home Value for LTV
Number of Units
Year Built
Total Sq Ft
Number of Bedrooms
Number of Bathrooms
Property Condition
Acquisition Cost
Renovation Cost
Effective Gross Income
Turnover Costs
Repairs and Maintenance
Marketing and Leasing Costs
Utilities
Other Costs
Cap Ex Reserve
Investment Property Original As Is LTV
As Is Value
After Repair Value
After Repair Value LTV
Loan to Cost
Original Sales Price
Assignment Fee
Loan to Purchase Price
SBC Occupancy
Investment Property Type
Has Dutch Interest
Interest Reserves Escrowed
Guarantor 1 ITIN Flag
Guarantor 2 ITIN Flag
Guarantor 3 ITIN Flag
Guarantor 4 ITIN Flag
XXXX
409017586
XXXX
            
No
              
XXXX
  
XXXX
          
XXXX
                                                                                                                                                        
XXXX
XXXX
Level 4-Stated/Verified as defined
    
No
No
    
XXXX
US Citizen
  
XXXX
        
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
    
Individual
Individual
XXXX
    
XXXX
US Citizen
    
Level 4-Stated/Verified as defined
XXXX
XXXX
Fair Isaac
XXXX
Beacon 5.0
XXXX
FICO Risk Score Classic 04
                                                                                            
XXXX
                                                                                                                                                                                                                                
XXXX
1
        
C3
                    
XXXX