# EDGAR Filing Document

**Accession Number:** 0001803775
**File Stem:** 0001387131-23-000176
**Filing Date:** 2023-1
**Character Count:** 2256369
**Document Hash:** 53913c0e68c0a62fb80874fe6574306d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001387131-23-000176.hdr.sgml**: 20230109

**ACCESSION NUMBER**: 0001387131-23-000176

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 60

**CONFORMED PERIOD OF REPORT**: 20230109

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20230109

**DATE AS OF CHANGE**: 20230109

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Other/Combined

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775
- **IRS NUMBER:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04985
- **FILM NUMBER:** 23518152

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775
- **IRS NUMBER:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**MFRA NQM DEPOSITOR, LLC**

Check the appropriate box to indicate the filing obligation which this form is intended to satisfy:

☐

Rule 15Ga 1 under the Exchange Act (17 CFR 240.15Ga 1) for the reporting period ___________ to ___________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person to contact in connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga 1(c)(l) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga 1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga 1(c)(2)(ii) ☐

☒ Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2)

Central Index Key Number of depositor: 0001803775

MFA 2023-NQM1 Trust

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ______________

Central Index Key Number of underwriter (if applicable): ________________

Bryan Wulfsohn, 212-207-6431

Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure <br>

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure <br>

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1 <br>

Not Applicable

**PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

---

| | |
|:---|:---|
| **Item 2.02** | **Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter** |

---

Not Applicable

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
|  | MFRA NQM DEPOSITOR, LLC |
| Date: January 9, 2023 | By: <u>/s/ Bryan Wulfsohn</u> |
|  | Name: Bryan Wulfsohn |
|  | Title: Vice President |

---

EXHIBIT INDEX

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.1](ex99-1.htm) | &nbsp;&nbsp;AMC Diligence, LLC ("**AMC**") Narrative |
| &nbsp;&nbsp;[99.2](ex99-2.htm) | &nbsp;&nbsp;AMC Credit Loan Level Exceptions Report |
| &nbsp;&nbsp;[99.3](ex99-3.htm) | &nbsp;&nbsp;AMC Credit Exception Grades Report |
| &nbsp;&nbsp;[99.4](ex99-4.htm) | &nbsp;&nbsp;AMC Credit Valuation Summary Report |
| &nbsp;&nbsp;[99.5](ex99-5.htm) | &nbsp;&nbsp;AMC Credit Data Compare Report |
| &nbsp;&nbsp;[99.6](ex99-6.htm) | &nbsp;&nbsp;AMC Lease Loan Level Exceptions Report |
| &nbsp;&nbsp;[99.7](ex99-7.htm) | &nbsp;&nbsp;AMC Lease Exception Grades Report |
| &nbsp;&nbsp;[99.8](ex99-8.htm) | &nbsp;&nbsp;AMC Lease Valuation Summary Report |
| &nbsp;&nbsp;[99.9](ex99-9.htm) | &nbsp;&nbsp;AMC Lease Data Compare Report |
| &nbsp;&nbsp;[99.10](ex99-10.htm) | &nbsp;&nbsp;Canopy Financial Technology Partners, LLC ("**Canopy**") Narrative |
| &nbsp;&nbsp;[99.11](ex99-11.htm) | &nbsp;&nbsp;Canopy Supplemental Data Report |
| &nbsp;&nbsp;[99.12](ex99-12.htm) | &nbsp;&nbsp;Canopy Rating Agency Grades Detail Report |
| &nbsp;&nbsp;[99.13](ex99-13.htm) | &nbsp;&nbsp;Canopy Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.14](ex99-14.htm) | &nbsp;&nbsp;Canopy Valuation Report |
| &nbsp;&nbsp;[99.15](ex99-15.htm) | &nbsp;&nbsp;Canopy ATR QM Report |
| &nbsp;&nbsp;[99.16](ex99-16.htm) | &nbsp;&nbsp;Canopy Data Compare Report |
| &nbsp;&nbsp;[99.17](ex99-17.htm) | &nbsp;&nbsp;Clayton Services LLC ("**Clayton**") Narrative |
| &nbsp;&nbsp;[99.18](ex99-18.htm) | &nbsp;&nbsp;Clayton Conditions Summary Report |
| &nbsp;&nbsp;[99.19](ex99-19.htm) | &nbsp;&nbsp;Clayton Conditions Detail Report |
| &nbsp;&nbsp;[99.20](ex99-20.htm) | &nbsp;&nbsp;Clayton Loan Grades Report |
| &nbsp;&nbsp;[99.21](ex99-21.htm) | &nbsp;&nbsp;Clayton Loan Level Tape Compare |
| &nbsp;&nbsp;[99.22](ex99-22.htm) | &nbsp;&nbsp;Clayton Non ATR QM Upload Report |
| &nbsp;&nbsp;[99.23](ex99-23.htm) | &nbsp;&nbsp;Clayton RA ATR QM Data Report |
| &nbsp;&nbsp;[99.24](ex99-24.htm) | &nbsp;&nbsp;Clayton Valuations Summary Report |
| &nbsp;&nbsp;[99.25](ex99-25.htm) | &nbsp;&nbsp;Clayton Waived Conditions Summary Report |
| &nbsp;&nbsp;[99.26](ex99-26.htm) | &nbsp;&nbsp;Evolve Mortgage Services ("**Evolve**") Narrative |
| &nbsp;&nbsp;[99.27](ex99-27.htm) | &nbsp;&nbsp;Evolve Rating Agency Grades Report |
| &nbsp;&nbsp;[99.28](ex99-28.htm) | &nbsp;&nbsp;Evolve Exception Detail Report |
| &nbsp;&nbsp;[99.29](ex99-29.htm) | &nbsp;&nbsp;Evolve Valuation Report |
| &nbsp;&nbsp;[99.30](ex99-30.htm) | &nbsp;&nbsp;Evolve Data Compare Report |
| &nbsp;&nbsp;[99.31](ex99-31.htm) | &nbsp;&nbsp;Evolve QM ATR Data Report |
| &nbsp;&nbsp;[99.32](ex99-32.htm) | &nbsp;&nbsp;Evolve Business Purpose Report |
| &nbsp;&nbsp;[99.33](ex99-33.htm) | &nbsp;&nbsp;Infinity IPS, Inc. ("**Infinity**") Narrative |
| &nbsp;&nbsp;[99.34](ex99-34.htm) | &nbsp;&nbsp;Infinity Data Compare Report |
| &nbsp;&nbsp;[99.35](ex99-35.htm) | &nbsp;&nbsp;Infinity Individual Exception Report |
| &nbsp;&nbsp;[99.36](ex99-36.htm) | &nbsp;&nbsp;Infinity Loan Level Exception Report |
| &nbsp;&nbsp;[99.37](ex99-37.htm) | &nbsp;&nbsp;Infinity Rating Agency Grades Report |
| &nbsp;&nbsp;[99.38](ex99-38.htm) | &nbsp;&nbsp;Infinity Valuation Report |
| &nbsp;&nbsp;[99.39](ex99-39.htm) | &nbsp;&nbsp;Selene Diligence LLC ("**Selene**") Narrative |
| &nbsp;&nbsp;[99.40](ex99-40.htm) | &nbsp;&nbsp;Selene Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.41](ex99-41.htm) | &nbsp;&nbsp;Selene Standard Findings Report |
| &nbsp;&nbsp;[99.42](ex99-42.htm) | &nbsp;&nbsp;Selene Valuation Report |
| &nbsp;&nbsp;[99.43](ex99-43.htm) | &nbsp;&nbsp;Selene MLS Report |
| &nbsp;&nbsp;[99.44](ex99-44.htm) | &nbsp;&nbsp;Selene Supplement Data Report |
| &nbsp;&nbsp;[99.45](ex99-45.htm) | &nbsp;&nbsp;Selene Business Purpose Report |
| &nbsp;&nbsp;[99.46](ex99-46.htm) | &nbsp;&nbsp;Selene Data Compare Report |

---

## Exhibit 99.1

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.1**

![](ex9901001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and leases acquired by MFA Financial Inc. (the "Client"). These mortgage loans, which were originated by multiple parties, were purchased by the Client in multiple bulk transactions or via Reliance Letter and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

**(2) Sample size of the assets reviewed.**

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

The mortgage loan review sample was broken down into the following review scopes:

▪ "Credit and Compliance Review": 7 mortgage loans

▪ "Leases Review": 19 mortgage loans

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

**(3) Determination of the sample size and computation.**

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

**<u>CREDIT AND COMPLIANCE SCOPE (7 Mortgage Loans)</u>**

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

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![](ex9901001.jpg)

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

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![](ex9901001.jpg)

**<u>LEASES SCOPE (19 Mortgage Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

**<u>CREDIT REVIEW</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

**Credit Application:** For the Credit Application, AMC will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC will determine whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC will verify the borrowing entity, if not an individual, is properly documented. In addition, AMC will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

**Property income:** AMC will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

**Valuation Review:** AMC's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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![](ex9901001.jpg)

**Asset Review:** AMC will assess whether the asset documentation required by the guidelines is present in the file. AMC will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>DATA COLLECTION</u>**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

**(6) Value of collateral securing the assets: review and methodology.**

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

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![](ex9901001.jpg)

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure
 to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

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vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the applicable home equity initial and account opening disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate
 Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR
 to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR
 threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, AMC reviewed the relevant documents in the mortgage loan file and, as
 necessary, attempted to obtain the mortgage loan originator compensation agreement and/or
 governing policies and procedures of the mortgage loan originator. In the absence of
 the mortgage loan originator compensation agreement and/or governing policies and procedures,
 AMC's review was limited to formal general statements of entity compliance provided
 by the mortgage loan originator, if any. These statements, for example, were in the form
 of a letter signed by the seller correspondent/mortgage loan originator or representations
 in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

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**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such
 changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that each revised LE is accompanied by valid written documentation explaining the reason
 for re-disclosure to allow for fee increases based on a valid change of circumstance
 and was timely provided within 3 business days of issuance;

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vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

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*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

---

| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

---

---

| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

---

---

| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

---

For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

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*<u>General Ability to Repay</u>*

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

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

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

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**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
 summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
 and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
 of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
 disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
 of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
 from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
 other disclosures related to the enumerated tests set forth herein.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

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**(9) Disclaimer**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

**COMPLIANCE RESULTS SUMMARY**

Please note that 19 Leases were not subjected to a compliance review and did not receive a compliance grade. Of the remaining 7 mortgage loans under the DBRS and S&P rating criteria, 4 (57.14%) mortgage loans received an "A" compliance grade, and 3 (42.86%) and mortgage loans received a "B" compliance grade.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Compliance** | &nbsp;&nbsp;**DBRS and S&P Compliance** | &nbsp;&nbsp;**DBRS and S&P Compliance** | &nbsp;&nbsp;**DBRS and S&P Compliance** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Compliance Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;19 | &nbsp;&nbsp;73.08% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

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![](ex9901001.jpg)

**CREDIT RESULTS SUMMARY**

Within the securitization population, 23 (88.46%) of the mortgage loans received an "A" credit grade, and 3 (11.54%) of the mortgage loans received a "B" credit grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Credit** | &nbsp;&nbsp;**DBRS and S&P Credit** | &nbsp;&nbsp;**DBRS and S&P Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;88.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, all 26 (100.00%) of the mortgage loans received an "A" property grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Property/Valuation** | &nbsp;&nbsp;**DBRS and S&P Property/Valuation** | &nbsp;&nbsp;**DBRS and S&P Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

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**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, 26 (100.00%) of the loans by number in the pool possessed a NRSRO grade of "A" or "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Overall** | &nbsp;&nbsp;**DBRS and S&P Overall** | &nbsp;&nbsp;**DBRS and S&P Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION SUMMARY (26 Mortgage Loans)**

The table below summarizes the individual exceptions which carried an associated "B", "C", or "D" level exception grade. One loan may have carried more than one exception. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS and S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**10** |

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![](ex9901001.jpg)

**ADDITIONAL SUMMARY (35 Mortgage Loans)** 

*Some % of Loans may not add to 100% due to rounding*

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;7 | &nbsp;&nbsp;26.92% | &nbsp;&nbsp;$5405550.00 | &nbsp;&nbsp;34.72% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;19 | &nbsp;&nbsp;73.08% | &nbsp;&nbsp;$10163000.00 | &nbsp;&nbsp;65.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15568550.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$15568550.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15568550.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;5 | &nbsp;&nbsp;19.23% | &nbsp;&nbsp;$3596000.00 | &nbsp;&nbsp;23.10% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;8 | &nbsp;&nbsp;30.77% | &nbsp;&nbsp;$4921500.00 | &nbsp;&nbsp;31.61% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;11 | &nbsp;&nbsp;42.31% | &nbsp;&nbsp;$5770250.00 | &nbsp;&nbsp;37.06% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$1280800.00 | &nbsp;&nbsp;8.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15568550.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$1000000.00 | &nbsp;&nbsp;6.42% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;19 | &nbsp;&nbsp;73.08% | &nbsp;&nbsp;$10891750.00 | &nbsp;&nbsp;69.96% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;19.23% | &nbsp;&nbsp;$3676800.00 | &nbsp;&nbsp;23.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15568550.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;8 | &nbsp;&nbsp;30.77% | &nbsp;&nbsp;$4241800.00 | &nbsp;&nbsp;27.25% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;$3308750.00 | &nbsp;&nbsp;21.25% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;12 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$5710000.00 | &nbsp;&nbsp;36.68% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;$2308000.00 | &nbsp;&nbsp;14.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15568550.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;5 | &nbsp;&nbsp;19.23% | &nbsp;&nbsp;$5129750.00 | &nbsp;&nbsp;32.95% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;19 | &nbsp;&nbsp;73.08% | &nbsp;&nbsp;$9123000.00 | &nbsp;&nbsp;58.60% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$1315800.00 | &nbsp;&nbsp;8.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15568550.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.2

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.2**

![](situsamc.gif)

**Loan Level Exception - Disposition (Loan Grades)**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Servicer Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | 1000001 |  | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Total cash-out discrepancy.: HUD-1 total cash-out of $XX is greater than Guideline total cash-out of $500,000.00. | Guidelines allow for $500,000 max cash out unless an exception is made for the LTV to be lower than 75%. Please provide a copy of that exception. | REVIEWER - WAIVED COMMENT (2019-07-26): Waived with comp factors | 1 |  |  |  | 2 | [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.<br> [2] Federal Compliance - TRID Final Closing Disclosure Assumption: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (Final/XX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (Final/XX/XX/XXXX) | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: The LO Originator Compensation Disclosure was not located in the file<br> Federal Compliance - TRID Final Closing Disclosure Assumption: CD shows it will not allow for assumption but note is assumable<br> Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: The estimated Escrow payment is $XX/mo.. The non escrow costs are shown higher on CD that what actual HOA cost is | REVIEWER - WAIVED COMMENT (2019-07-26): Client elects to waive. Non-material exception.<br> BUYER - WAIVED COMMENT (2019-07-26): waive<br> REVIEWER - CURED COMMENT (2019-07-26): AMC received PCCD correcting non escrowed property costs and LOE. Exception Cured<br> REVIEWER - RE-OPEN COMMENT (2019-07-26): Reopen<br> BUYER - GENERAL COMMENT (2019-07-26): pccd was done previously but just uploaded XX/XX. need reviewed since it was sent within 60 days<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2019-07-26): AMC received PCCD and LOE however the 60 day window to cure from discovery date (XX/XX/XXXX) has passed. Unable to cure.<br> BUYER - GENERAL COMMENT (2019-07-26): non escrowed property costs are:<br> hoa: XXXX<br> eoi: XXXX<br> total annual non escrowed costs=XXXX<br> REVIEWER - GENERAL COMMENT (2019-07-26): Final Closing Disclosure disclosed Non-Escrowed Property Costs over Year 1 of $XX. Non-Escrowed HOA Dues are $XX.00 per month, which equates to calculated Escrowed Property Costs over Year 1 of $XX. A Letter of Explanation to the borrower and Corrected Closing Disclosure are required to cure this exception. | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Assumption: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 60% LTV < 80% guideline max.<br>DTI below max by 5% or greater. DTI: 34.37%<br>FICO score above minimum by 20 points or greater. FICO: 756 |  | - B A |
| XXXX | XXXX | 1000000 |  | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 426.38347% exceeds Guideline total debt ratio of 50.00000%.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Total cash-out discrepancy.: HUD-1 total cash-out of $XX is greater than Guideline total cash-out of $500,000.00. | Per XX Income calculation Analysis, the borrowers were qualified with Asset Depletion income of $XX and a DTI of 51.09% calculated using cash-out proceeds from the subject cash-out refinance. In addition, the cash out was depleted over 60 months. Per XX Underwriting and Full Doc guidelines, cash out is not on the list of acceptable assets allowed to be depleted and assets are to be depleted over 120 months. Using the allowable assets verified in the file results in an income of $XX and a DTI of 426.38%.<br>A client approved exception with verified compensating factors related to the borrower's ability to repay to allow 1) cash out to be used for depletion and 2) to allow a depletion period of only 60 months is required to waive this exception.<br>In addition, the lender approved DTI of 51.09% will also require a separate client approved exception with verified compensating factors related to the borrower's ability to repay to allow a DTI above 50%.<br> Borrowers received $XX cash back at closing, which exceeds the Full Doc guideline maximum of $500,000.00. File is missing the lender's approved exception for excessive cash out with verified compensating factors. | REVIEWER - GENERAL COMMENT (2019-08-16): Received client approved exception to allow cash out to be used for asset depletion. Per XX income worksheet, lender used cash out proceeds of $XX however, the final CD verifies the net cash out is $XX, which results in a DTI of 53.27%. A new client client approved exception with verified compensating factors related to the borrower's ability to repay is required to allow the DTI of 53.27% and waive this exception.<br> REVIEWER - WAIVED COMMENT (2019-09-02): Client approved exception to allow a DTI of 53.27% which exceeds the guideline max of 50.00%.<br> REVIEWER - WAIVED COMMENT (2019-08-16): Client approved exception to allow cash back of $XX, which exceeds the guideline maximum cash out of $500,000.00. | 1 |  |  |  | 2 | [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.09450% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: DTI exception was revised to moderately exceeding after client exception was received. | REVIEWER - GENERAL COMMENT (2019-08-16): Received client approved exception to allow cash out to be used for asset depletion. Per XX income worksheet, lender used cash out proceeds of $XX however, the final CD verifies the net cash out is $XX, which results in a DTI of 53.27%. A new client client approved exception with verified compensating factors related to the borrower's ability to repay is required to allow the DTI of 53.27% and waive this exception.<br> BUYER - GENERAL COMMENT (2019-08-19): Please see response under "Investor total qualifying debt ratio discrepancy" tab.<br> REVIEWER - WAIVED COMMENT (2019-09-02): Client approved exception to allow a DTI of 53.27% which exceeds the guideline max of 50.00%. |  | XX months reserves > 6 months guideline minimum<br>Borrower has residual income of $XX |  | - B A |
| XXXX | XXXX | 1000002 |  | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XX is less than Guideline minimum loan amount of $400,000.00. | Granted by Lender: Loan amount below guideline minimums. Residual income below guideline minimums | REVIEWER - WAIVED COMMENT (2020-03-02): Lender deviation provided. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decresed the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 1000003 |  | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 1000004 |  | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 1000005 |  | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | ATR Risk | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br> [2] Federal Compliance - General Ability To Repay Provision Asset Qualification Loan: Ability to Repay (Dodd-Frank 2014): It is questionable whether this loan meets ATR requirements. | Federal Compliance - Check Loan Designation Match - ATR Risk: Due to using Assets Only program.<br> Federal Compliance - General Ability To Repay Provision Asset Qualification Loan: Due to using Assets Only program. | REVIEWER - GENERAL COMMENT (2020-02-14): Regraded to EV2-B, XX program<br> BUYER - WAIVED COMMENT (2020-02-18): We acknowledge this condition and choose to waive<br> BUYER - WAIVED COMMENT (2020-02-18): We acknowledge this condition and choose to waive | Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | 1000006 |  | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |

---

## Exhibit 99.3

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.3**

![](situsamc.gif)

**Exception Grades**

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Edgar 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** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 1000001 |  | 12951365 | XXXX | 07/26/2019 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $XX is greater than Guideline total cash-out of $500,000.00. | Guidelines allow for $500,000 max cash out unless an exception is made for the LTV to be lower than 75%. Please provide a copy of that exception. | FICO score above minimum by 20 points or greater. FICO: XXX<br>DTI below max by 5% or greater. DTI: 34.37%<br>XX% LTV < 80% guideline max. |  | Originator<br>Originator<br>Originator | Reviewer Comment (2019-07-26): Waived with comp factors |  |  | 06/17/2019 | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 1000001 |  | 12951388 | XXXX | 07/26/2019 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | The LO Originator Compensation Disclosure was not located in the file |  |  |  | Reviewer Comment (2019-07-26): Client elects to waive. Non-material exception. |  |  | 05/21/2019 | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 1000001 |  | 12951390 | XXXX | 07/26/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (Final/XX/XX/XXXX) | The estimated Escrow payment is $XX/mo.. The non escrow costs are shown higher on CD that what actual HOA cost is |  |  |  | Reviewer Comment (2019-07-26): AMC received PCCD correcting non escrowed property costs and LOE. Exception Cured<br>Reviewer Comment (2019-07-26): Reopen<br>Buyer Comment (2019-07-26): pccd was done previously but just uploaded XX/XX. need reviewed since it was sent within 60 days<br>Reviewer Comment (2019-07-26): AMC received PCCD and LOE however the 60 day window to cure from discovery date (XX/XX/XXXX) has passed. Unable to cure.<br>Buyer Comment (2019-07-26): non escrowed property costs are:<br> hoa: XXXX<br> eoi: XXXX<br> total annual non escrowed costs=XXXX<br>Reviewer Comment (2019-07-26): Final Closing Disclosure disclosed Non-Escrowed Property Costs over Year 1 of $XX. Non-Escrowed HOA Dues are $XX.00 per month, which equates to calculated Escrowed Property Costs over Year 1 of $XX. A Letter of Explanation to the borrower and Corrected Closing Disclosure are required to cure this exception. |  | 07/01/2019 |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 1000001 |  | 12951421 | XXXX | 07/26/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (Final/XX/XX/XXXX) | CD shows it will not allow for assumption but note is assumable |  |  |  | Buyer Comment (2019-07-26): waive |  |  | 06/17/2019 | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 1000000 |  | 13886509 | XXXX | 08/13/2019 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $XX is greater than Guideline total cash-out of $500,000.00. | Borrowers received $XX cash back at closing, which exceeds the Full Doc guideline maximum of $500,000.00. File is missing the lender's approved exception for excessive cash out with verified compensating factors. | Borrower has residual income of $XX<br>XX months reserves > 6 months guideline minimum |  | Originator<br>Originator | Reviewer Comment (2019-08-16): Client approved exception to allow cash back of $XX, which exceeds the guideline maximum cash out of $500,000.00. |  |  | 08/16/2019 | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 1000000 |  | 13886510 | XXXX | 08/13/2019 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 426.38347% exceeds Guideline total debt ratio of 50.00000%. | Per XX Income calculation Analysis, the borrowers were qualified with Asset Depletion income of $XX and a DTI of 51.09% calculated using cash-out proceeds from the subject cash-out refinance. In addition, the cash out was depleted over 60 months. Per XX Underwriting and Full Doc guidelines, cash out is not on the list of acceptable assets allowed to be depleted and assets are to be depleted over 120 months. Using the allowable assets verified in the file results in an income of $XX and a DTI of 426.38%.<br>A client approved exception with verified compensating factors related to the borrower's ability to repay to allow 1) cash out to be used for depletion and 2) to allow a depletion period of only 60 months is required to waive this exception.<br>In addition, the lender approved DTI of 51.09% will also require a separate client approved exception with verified compensating factors related to the borrower's ability to repay to allow a DTI above 50%. | Borrower has residual income of $XX<br>XX months reserves > 6 months guideline minimum |  | Originator<br>Originator | Reviewer Comment (2019-09-02): Client approved exception to allow a DTI of 53.27% which exceeds the guideline max of 50.00%.<br>Reviewer Comment (2019-08-16): Received client approved exception to allow cash out to be used for asset depletion. Per XX income worksheet, lender used cash out proceeds of $XX however, the final CD verifies the net cash out is $XX, which results in a DTI of 53.27%. A new client client approved exception with verified compensating factors related to the borrower's ability to repay is required to allow the DTI of 53.27% and waive this exception. |  |  | 09/02/2019 | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 1000000 |  | 13886514 | XXXX | 08/16/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.09450% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exception was revised to moderately exceeding after client exception was received. | Borrower has residual income of $XX<br>XX months reserves > 6 months guideline minimum |  | Originator<br>Originator | Reviewer Comment (2019-09-02): Client approved exception to allow a DTI of 53.27% which exceeds the guideline max of 50.00%.<br>Buyer Comment (2019-08-19): Please see response under "Investor total qualifying debt ratio discrepancy" tab.<br>Reviewer Comment (2019-08-16): Received client approved exception to allow cash out to be used for asset depletion. Per XX income worksheet, lender used cash out proceeds of $XX however, the final CD verifies the net cash out is $1,451,746.70, which results in a DTI of 53.27%. A new client client approved exception with verified compensating factors related to the borrower's ability to repay is required to allow the DTI of 53.27% and waive this exception. |  |  | 09/02/2019 | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 1000002 |  | 16685511 | XXXX | 02/26/2020 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of $XX is less than Guideline minimum loan amount of $400,000.00. | Granted by Lender: Loan amount below guideline minimums. Residual income below guideline minimums | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The refinance has decresed the borrower's monthly debt payments by 20% or more.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | LTV of XX% is less than Maximum LTV of 85% required per Guidelines | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2020-03-02): Lender deviation provided. |  |  | 03/02/2020 | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 1000005 |  | 16685563 | XXXX | 02/14/2020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to using Assets Only program. |  |  |  | Buyer Comment (2020-02-18): We acknowledge this condition and choose to waive<br>Reviewer Comment (2020-02-14): Regraded to EV2-B, XX program |  |  | 02/18/2020 | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation B | Non QM | ATR Risk | Yes |
| XXXX | XXXX | 1000005 |  | 16685564 | XXXX | 02/14/2020 | Compliance | Compliance | Federal Compliance | ATR/QM | General Ability To Repay Provision Asset Qualification Loan | Ability to Repay (Dodd-Frank 2014): It is questionable whether this loan meets ATR requirements. | Due to using Assets Only program. |  |  |  | Buyer Comment (2020-02-18): We acknowledge this condition and choose to waive |  |  | 02/18/2020 | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Non QM | ATR Risk | No |

---

## Exhibit 99.4

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.4**

![](situsamc.gif)

**Valuation Report**

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | 1000001 |  | XX/XX/XXXX | $XX |  | $XX | $0.00 | 0.000% | $XX | XX/XX/XXXX | 10/04/2018 | Appraisal | $XX | $XXX | -0.556% | XX/XX/XXXX | XX/XX/XXXX | AVM | XXX | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | 1000000 |  | XX/XX/XXXX | $XX |  | $XX | $0.00 | 0.000% | $XX | XX/XX/XXXX | 08/17/2018 | Appraisal | $XX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | 1000002 |  | XX/XX/XXXX | $XX |  | $XX | $0.00 | 0.000% | $XX | XX/XX/XXXX | 01/28/2020 | Appraisal | $XX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | 1000003 |  | XX/XX/XXXX | $XX | $XX | $XX | $0.00 | 0.000% | $XX | XX/XX/XXXX | 12/27/2019 | Appraisal | $XX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | 1000004 |  | XX/XX/XXXX | $XX |  | $XX | $0.00 | 0.000% | $XX | XX/XX/XXXX | 01/09/2020 | Appraisal | $XX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | 1000005 |  | XX/XX/XXXX | $XX |  | $XX | $0.00 | 0.000% | $XX | XX/XX/XXXX | 01/27/2020 | Appraisal | $XX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | 1000006 |  | XX/XX/XXXX | $XX | $XX | $XX | $0.00 | 0.000% | $XX | XX/XX/XXXX | 08/12/2020 | Appraisal | $XX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.80 |

---

## Exhibit 99.5

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.5**

![](situsamc.gif)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** |
| XXXX | XXXX | 1000006 |  |  | Doc Type |  | Alt |
| XXXX | XXXX | 1000006 |  |  | Investor: Qualifying Total Debt Ratio | XX | XX |

---

## Exhibit 99.6

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.6**

![](situsamc.gif)

**Loan Level Exception - Disposition (Loan Grades)**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | XXXX | 1000020 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000022 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000024 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000007 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000021 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000009 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000018 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000025 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000023 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000019 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000010 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000017 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000008 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000011 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000015 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000013 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000012 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000014 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 1000016 | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |  |  |  |  | A |

---

## Exhibit 99.7

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.7**

![](situsamc.gif)

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Edgar 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** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 1000018 |  | 21077560 | XXX | 11/15/2018 | Credit | Guideline | Guideline Issue | Guideline | DSCR being above required value. | Address: XXXX |  |  |  |  | Reviewer Comment (2018-11-15): Additional Review confirms DSLR is within guideline requirements. | 08/14/2018 |  |  | 1 C A | XX/XX/XXXX | XX | Investment | Purchase | C A |  | A |  | N/A | No |
| XXXX | XXXX | 1000016 |  | 21077608 | XXX | 11/15/2018 | Credit | Guideline | Guideline Issue | Guideline | DSCR being above required value. | XXXX | DSCR is outside of guidelines. |  |  |  | Reviewer Comment (2018-11-15): The DSCR has met the minimum requirement of 1.20. | 07/31/2018 |  |  | 1 C A | XX/XX/XXXX | XX | Investment | Purchase | C A |  | A |  | N/A | No |
| XXXX | XXXX | 1000016 |  | 21077609 | XXX | 11/15/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXX<br> Disaster Declaration Date: XX/XX/XXXX | The disaster noted happened more than a year after the subject loan closed, this is not material to the review. |  |  |  | Reviewer Comment (2018-11-15): Received a copy of the post disaster inspection dated XX/XX/XXXX showing no damage. | 08/15/2018 |  |  | 1 C A | XX/XX/XXXX | XX | Investment | Purchase | C A |  | A |  | N/A | No |

---

## Exhibit 99.8

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.8**

![](situsamc.gif)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | 1000020 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Low | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000022 |  | XX/XX/XXXX | $XXX |  | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Low | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000024 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000007 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000021 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Low | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000009 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000018 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000025 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Low | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000023 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000019 |  | XX/XX/XXXX | $XXX |  | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000010 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000017 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000008 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXX | $XXX | 19.231% | XX/XX/XXXX |  | BPO | XXXX XXXX |  |  |  |  |  |  |  | $XXXX | $XXXX | -23.077% | XXXX XXXX | High | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXXX | -23.462% | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $XXXX | 19.231% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | XXXX | 1000011 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $XXXX | 27.551% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $XXXX | 27.551% |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | XXXX | 1000015 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $XXXX | -6.154% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $XXXX | -6.154% |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | XXXX | 1000013 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000012 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $XXXX | -9.774% | XXXX XXXX | High | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000014 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 1000016 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $0.00 | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | XXXX XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.9

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.9**

![](situsamc.gif)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** |
| XXXX | XXXX | 1000007 |  |  | Amortization Type |  | ARM |
| XXXX | XXXX | 1000007 |  |  | Investor: Qualifying Total Debt Ratio | XX |  |
| XXXX | XXXX | 1000007 |  |  | LTV Valuation Value |  | XXXX |
| XXXX | XXXX | 1000007 |  |  | Maturity Date |  | XX/XX/XXXX |
| XXXX | XXXX | 1000007 |  |  | Original Loan Amount |  | $XXX |
| XXXX | XXXX | 1000007 |  |  | Original P&I |  | $XXX |
| XXXX | XXXX | 1000007 |  |  | Representative FICO | XXXX | XXXX |
| XXXX | XXXX | 1000007 |  |  | Street |  | XXXXXXX |
| XXXX | XXXX | 1000007 |  |  | Zip |  | XXXX |
| XXXX | XXXX | 1000008 |  |  | Broker | 1 | 0 |
| XXXX | XXXX | 1000008 |  |  | Margin | XX | XX |
| XXXX | XXXX | 1000009 |  |  | Amortization Type |  | ARM |
| XXXX | XXXX | 1000009 |  |  | Investor: Qualifying Total Debt Ratio | XX |  |
| XXXX | XXXX | 1000009 |  |  | LTV Valuation Value |  | XXXX |
| XXXX | XXXX | 1000009 |  |  | Maturity Date |  | XX/XX/XXXX |
| XXXX | XXXX | 1000009 |  |  | Original Loan Amount |  | $XXX |
| XXXX | XXXX | 1000009 |  |  | Original P&I |  | $XXX |
| XXXX | XXXX | 1000009 |  |  | Street |  | XXXXXXX |
| XXXX | XXXX | 1000009 |  |  | Zip |  | XXXX |
| XXXX | XXXX | 1000012 |  |  | Borrower Last Name | XXXX | XXXX |
| XXXX | XXXX | 1000012 |  |  | Representative FICO | XXXX | XXXX |
| XXXX | XXXX | 1000013 |  |  | Maturity Date |  | XX/XX/XXXX |
| XXXX | XXXX | 1000015 |  |  | Borrower Full Name | XXXX | XXXX |
| XXXX | XXXX | 1000017 |  |  | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000018 |  |  | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000018 |  |  | Borrower Full Name | XXXX | XXXX |
| XXXX | XXXX | 1000019 |  |  | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000019 |  |  | Borrower Full Name | XXXX | XXXX |
| XXXX | XXXX | 1000019 |  |  | Interest Rate Initial Floor |  | 0 |
| XXXX | XXXX | 1000019 |  |  | Investor: Qualifying Total Debt Ratio | XX |  |
| XXXX | XXXX | 1000019 |  |  | Other Financing Senior Total Balance | XX |  |
| XXXX | XXXX | 1000019 |  |  | Rounding Factor | XX | XX |
| XXXX | XXXX | 1000020 |  |  | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000020 |  |  | Borrower Full Name | XXXX | XXXX |
| XXXX | XXXX | 1000020 |  |  | Interest Rate Initial Floor |  | 0 |
| XXXX | XXXX | 1000020 |  |  | Investor: Qualifying Total Debt Ratio | XX |  |
| XXXX | XXXX | 1000020 |  |  | Other Financing Senior Total Balance | XX |  |
| XXXX | XXXX | 1000020 |  |  | Representative FICO | XXXX | XXXX |
| XXXX | XXXX | 1000020 |  |  | Rounding Factor | XX | XX |
| XXXX | XXXX | 1000021 |  |  | # of Borrowers | XX | XX |
| XXXX | XXXX | 1000021 |  |  | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000021 |  |  | Borrower Birth Date | XX/XX/XXXX |  |
| XXXX | XXXX | 1000021 |  |  | Borrower Full Name | XXXX | XXXX |
| XXXX | XXXX | 1000021 |  |  | Borrower SSN | XXX-XX-XXXX |  |
| XXXX | XXXX | 1000021 |  |  | Interest Rate Initial Floor |  | 0 |
| XXXX | XXXX | 1000021 |  |  | Investor: Qualifying Total Debt Ratio | XX |  |
| XXXX | XXXX | 1000021 |  |  | Other Financing Senior Total Balance | XX |  |
| XXXX | XXXX | 1000021 |  |  | Rounding Factor | XX | XX |
| XXXX | XXXX | 1000022 |  |  | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000022 |  |  | Borrower Birth Date | XX/XX/XXXX |  |
| XXXX | XXXX | 1000022 |  |  | Borrower Full Name | XXXX | XXXX |
| XXXX | XXXX | 1000022 |  |  | Borrower Qualifying FICO | XXXX |  |
| XXXX | XXXX | 1000022 |  |  | Borrower SSN | XXX-XX-XXXX |  |
| XXXX | XXXX | 1000022 |  |  | Borrower Total Income | XX |  |
| XXXX | XXXX | 1000022 |  |  | Contract Sales Price | 0 |  |
| XXXX | XXXX | 1000022 |  |  | Fixed Initial Payment Duration | XX |  |
| XXXX | XXXX | 1000022 |  |  | Interest Rate Periodic Cap | XX | XX |
| XXXX | XXXX | 1000022 |  |  | Investor: Qualifying Housing Ratio | XX |  |
| XXXX | XXXX | 1000022 |  |  | Other Financing Senior Total Balance | XX |  |
| XXXX | XXXX | 1000022 |  |  | Payment Adjustment Frequency Months | XX |  |
| XXXX | XXXX | 1000022 |  |  | Representative FICO | XXXX | XXXX |
| XXXX | XXXX | 1000022 |  |  | Total Income | XXXX |  |
| XXXX | XXXX | 1000023 |  |  | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000023 |  |  | Borrower Full Name | XXXX | XXXX |
| XXXX | XXXX | 1000023 |  |  | Borrower Qualifying FICO | XXXX | XXXX |
| XXXX | XXXX | 1000023 |  |  | Borrower Total Income | XX |  |
| XXXX | XXXX | 1000023 |  |  | Fixed Initial Payment Duration | XX |  |
| XXXX | XXXX | 1000023 |  |  | Interest Rate Periodic Cap | XX | XX |
| XXXX | XXXX | 1000023 |  |  | Investor: Qualifying Housing Ratio | XX |  |
| XXXX | XXXX | 1000023 |  |  | Other Financing Senior Total Balance | XX |  |
| XXXX | XXXX | 1000023 |  |  | Payment Adjustment Frequency Months | XX |  |
| XXXX | XXXX | 1000023 |  |  | Purpose | Refinance | Purchase |
| XXXX | XXXX | 1000023 |  |  | Representative FICO | XXXX | XXXX |
| XXXX | XXXX | 1000023 |  |  | Total Income | XXXX |  |
| XXXX | XXXX | 1000024 |  |  | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000024 |  |  | Borrower Birth Date | XX/XX/XXXX |  |
| XXXX | XXXX | 1000024 |  |  | Borrower Full Name | XXXX | XXXX |
| XXXX | XXXX | 1000024 |  |  | Borrower Qualifying FICO | XXXX |  |
| XXXX | XXXX | 1000024 |  |  | Borrower SSN | XXX-XX-XXXX |  |
| XXXX | XXXX | 1000024 |  |  | Borrower Total Income | XX |  |
| XXXX | XXXX | 1000024 |  |  | Fixed Initial Payment Duration | XX |  |
| XXXX | XXXX | 1000024 |  |  | Interest Rate Periodic Cap | XX | XX |
| XXXX | XXXX | 1000024 |  |  | Investor: Qualifying Housing Ratio | XX |  |
| XXXX | XXXX | 1000024 |  |  | Other Financing Senior Total Balance | XX |  |
| XXXX | XXXX | 1000024 |  |  | Payment Adjustment Frequency Months | XX |  |
| XXXX | XXXX | 1000024 |  |  | Purpose | Refinance | Purchase |
| XXXX | XXXX | 1000024 |  |  | Representative FICO | XXXX | XXXX |
| XXXX | XXXX | 1000024 |  |  | Total Income | XXXX |  |
| XXXX | XXXX | 1000025 |  |  | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000025 |  |  | Borrower Birth Date | XX/XX/XXXX |  |
| XXXX | XXXX | 1000025 |  |  | Borrower Full Name | XXXX | XXXX |
| XXXX | XXXX | 1000025 |  |  | Borrower Qualifying FICO | XXXX |  |
| XXXX | XXXX | 1000025 |  |  | Borrower SSN | XXX-XX-XXXX |  |
| XXXX | XXXX | 1000025 |  |  | Borrower Total Income | XX |  |
| XXXX | XXXX | 1000025 |  |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 1000025 |  |  | Fixed Initial Payment Duration | XX |  |
| XXXX | XXXX | 1000025 |  |  | Interest Rate Life Min | XX | XX |
| XXXX | XXXX | 1000025 |  |  | Interest Rate Periodic Cap | XX | XX |
| XXXX | XXXX | 1000025 |  |  | Investor: Qualifying Housing Ratio | XX |  |
| XXXX | XXXX | 1000025 |  |  | Other Financing Senior Total Balance | XX |  |
| XXXX | XXXX | 1000025 |  |  | Payment Adjustment Frequency Months | XX |  |
| XXXX | XXXX | 1000025 |  |  | Purpose | Refinance | Purchase |
| XXXX | XXXX | 1000025 |  |  | Total Income | XXXX |  |

---

## Exhibit 99.10

**Exhibit 99.10**

![](ex9910001.jpg)

**NARRATIVE**

**MFA 2023-NQM1**

**By Canopy Financial Technology Partners LLC on December 12, 2022**

Canopy Financial Technology Partners LLC

<u>info@canopytpr.com</u>\| 720-371-8517 \| <u>www.canopytpr.com</u>

Address: 83 Halls Road, STE 203, Old Lyme, CT 06371

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

 **Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by MFA Financial, Inc. (the "Client") or its affiliated company. The Review was conducted from August 2021 to May 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of One Hundred Forty-Three (143) Loans with an aggregate principal balance of $64,632,005.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

**Data Integrity**

Canopy performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the actual Loan File as captured by Canopy. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Amount/Draw Amount | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

Canopy reviewed each Loan File to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria or other requirements provided by the Client, including, as applicable, Ability to Repay (ATR) and Qualified Mortgage (QM) requirements. The Credit Qualification review consisted of the following:

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

● All known borrower-owned properties are disclosed on the REO Section;

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

● A credit report or alternative credit history as applicable to loan type is present for each borrower;

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

● Award letters;

● IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

● Confirmed that the flood certification is for the correct borrower, property, lender and loan number and is a "Life of Loan" certification;

● Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns;"

● Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

● For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines;

● For properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines;

● Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and that taxes are current; and

● Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines.

**Automated Underwriting System Findings:** N/A

**Document Review**

Canopy reviewed each Loan File and verified if the following documents, as applicable, were included in the file and if the data on these documents was consistent (where applicable):

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

● Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

● Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **Anti-Predatory Lending** requirements, that are imposed by federal, state and/or local statutory,
 regulatory or authoritative determinations (e.g. state constitutional provisions, ordinances,
 interpretations, judicial determinations, etc.) that impose civil or criminal liability
 upon the Assignee or may cause significant loss severity to the value of the Loan, including
 HOEPA and any state and local high-cost home loan laws. Assignee shall have the meaning
 as defined in TILA;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601
 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C. §2603,
 as implemented by Regulation X, 12 C.F.R. Part 1024;

(iv) the **Equal Credit Opportunity Act** ("ECOA") **, 15 U.S.C.** §1691 as implemented
 by Regulation B, 12 C.F.R. §1001.1(b);

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial
 and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note,
 including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy
 of note for any junior liens (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage
 / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial,
 Interim, and Final Loan Estimates ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Initial
 CD (i.e., the CD required to be received by the borrower(s) at least 3 business days
 prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation
 Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice
 of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate
 Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA
 Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial
 Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loans
 were reviewed for violations of federal, state & local high cost, higher-priced and/or
 consumer finance laws and regulations that carry Assignee Liability, including those
 defined below. Any loan that is determined to be classified and/or defined as high cost,
 higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition
 was reported.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance with the following
 requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance
 Review Scope ("TRID Grid 3.0" v.12/05/2019);

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
 including a verification of the transaction date and expiration date, ensuring proper
 execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
 date and determining if a full three (3) day rescission period was adequately provided
 to the borrower(s). The appropriate Model Form will be tested according to applicable
 U.S. Court of Appeals, Circuit Court rulings;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable
 Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements
 as set forth in regulations promulgated by the Consumer Financial Protection Bureau as
 found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance
 with RESPA/Regulation X documentation and timing requirements in effect at origination
 of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated
 Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership
 Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18,
 2014 requirements regarding the disclosure of the right to receive a copy of appraisals
 within three (3) business days of application, the right to receive a copy of the appraisals
 at least three (3) business days prior to consummation and any applicable waiver. The
 disclosure of the right to receive a copy of appraisals may be met by the disclosure
 on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
 V requirements regarding risk-based pricing notice, credit score disclosure and Notice
 to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report mandatory arbitration provisions present in the
 Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report single premium credit insurance policies
 or debt cancellation agreements present in the Loan File.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty
 that exceeds the state permitted penalty has expired, this must be reported.

**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

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

● California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

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

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

● Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

● District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

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

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

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

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

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

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

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

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

● Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

● Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

● Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

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

● Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

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

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

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

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

● Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

● New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

● New York High-Cost Home Loan Regulations (1A - Original Part 41), 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

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

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

● Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

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

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

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

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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

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

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

● Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

● South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

● Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

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

● The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

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

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

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

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

● Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

● Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

● Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

● Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

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**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency as permitted under the QM final rule, Canopy reviews the loan to determine whether, based on available information in the Loan File the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Canopy then determines whether the loan is a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**Ability to Repay (ATR)**

Canopy reviews the loan to determine whether, based on available information in the Loan File, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Note: for loans designated as QM – Agency eligible (QM – Temporary), Canopy will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Canopy reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Canopy does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Canopy's review is based on information contained in the Loan File at the time it is provided to Canopy to review, and only reflects information as of that point in time.

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**Valuation Review**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

● With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within the original appraisal.

***Independent third-party values, CU Scores and fhlmc reps and warrants***

Canopy applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

● If the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.

● In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish value.

**Agency & Non-Agency Eligible Loans:**

● For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review was required based on market acceptance of Agency Eligible Loans.

● For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

**VALUATION RESULTS SUMMARY**

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** |
| &nbsp;&nbsp;**# of Files – CU <br> Score <= 2.5** | &nbsp;&nbsp;**# of Files – Eligible Rep <br> & Warrant Relief** | &nbsp;&nbsp;**# of Files < -10% of OA <br> valued (Desk Review)** | &nbsp;&nbsp;**# of Files => -10% of OA <br> valued (Desk Review)** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

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● Chart is N/A as all Loan Files were Non-Agency

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;<br> **Non-Agency Eligible** | &nbsp;&nbsp;<br> **Non-Agency Eligible** | &nbsp;&nbsp;<br> **Non-Agency Eligible** | &nbsp;&nbsp;<br> **Non-Agency Eligible** |
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files < -10% of OA value <br> OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA <br> value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

● Of the 143 Non-Agency Eligible loans reviewed:

○ 69 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 2
 Loan Files were noted with an AVM also supporting the original appraised value within
 a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4
 Loan Files were noted with a Second Full Appraisal also supporting the original appraised
 value within a 10% variance.

○ 75 Loan files were noted with an AVM supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 2
 Loan Files were noted with a Desk Review also supporting the original appraised value
 within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 2
 Loan Files were noted with a Second Full Appraisal also supporting the original appraised
 value within a 10% variance.

○ 6 Loan File were noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4
 Loan Files were noted with a Desk Review also supporting the original appraised value
 within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 2
 Loan Files were noted with an AVM also supporting the original appraised value within
 a 10% variance.

○ 1 Loan File was noted with a BPO not supporting the original appraised value within a 10% variance. This loan was supported by subsequent Desk Review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1
 Loan File weas noted with a Desk Review also supporting the original appraised value
 within a 10% variance.

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

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**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 3.50% (5 loans) have an overall grade of "B", and 96.50% (138 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 1.40%, or two (2) mortgage loans reviewed, and 98.60% or one hundred forty-one (141) mortgage loans reviewed have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 2.10% for three (3) mortgage loan reviewed, and 97.90% or one hundred forty (140 loans) mortgage loans reviewed have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "A" for 100% or one hundred forty-three (143) mortgage loans reviewed.

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;138 | &nbsp;&nbsp;96.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;141 | &nbsp;&nbsp;98.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;143 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;140 | &nbsp;&nbsp;97.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.10% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;142 | &nbsp;&nbsp;99.30% | &nbsp;&nbsp;$63282005.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;$1350000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64632005.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;143 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$64632005.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64632005.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;$432250.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;48 | &nbsp;&nbsp;33.57% | &nbsp;&nbsp;$23207800.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.39% | &nbsp;&nbsp;$6215650.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;74 | &nbsp;&nbsp;51.75% | &nbsp;&nbsp;$31271055.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.59% | &nbsp;&nbsp;$3505250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64632005.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;137 | &nbsp;&nbsp;95.80% | &nbsp;&nbsp;$60205505.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.20% | &nbsp;&nbsp;$4426500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64632005.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;50 | &nbsp;&nbsp;34.97% | &nbsp;&nbsp;$30186050.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;$111900.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;92 | &nbsp;&nbsp;64.34% | &nbsp;&nbsp;$34334055.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64632005.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

**DATA COMPARISON RESULTS**

Of the One Hundred Forty-Three (143) mortgage Loan Files reviewed, Thirty-Seven (37) unique loans (25.87% by number) had Forty (40) tape comparison discrepancies across forty-two (42) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;19 | &nbsp;&nbsp;143 | &nbsp;&nbsp;13.29% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;11 | &nbsp;&nbsp;143 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Amount/Draw Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;143 | &nbsp;&nbsp;2.80% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9910001.jpg)

**Disclaimer**

*Canopy Financial Technology Partners, LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).* 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.* 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.* 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.* 

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.11

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.11**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **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 Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **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** | **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** | **QM Regulation Failures** | **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** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Is Shared Appreciation Mortgage** | **# of Months CPA verified income** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?**  | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** |
| 51359 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7055 | $7761.00 | XXX | 7.03% | $1229.40 | 6.63% | No |  | Retired |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 43.34% | 43.34% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Retirement - 2 YRS W2 1099 Verified, Award Letter Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 7055 | XXXX | 3.040% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56416 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | Yes | 4115 | $6925.07 | XXX | 3.55% | $5388.54 | 3.50% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 47.94% | 47.94% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 4115 | XXXX | 2.920% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 1 |  |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61831 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | $1992.36 | 4.25% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | CA | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.84 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61806 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7595 | $9366.56 | XXX | 5.65% | $1763.91 | 5.38% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | GA | XXX |  |  |  | 32.60% | 32.60% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7595 | XXXX | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61779 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | $3781.30 | 4.25% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.6 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65087 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12649.1 | $12792.72 | XXX | 4.63% | $2176.88 | 4.38% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | AZ | XXX |  |  |  | 19.87% | 19.87% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 12649.1 | XXXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66865 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12047.5 | $13215.42 | XXX | 4.03% | $1810.78 | 3.75% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | CA | XXX |  |  |  | 28.44% | 28.44% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | Borrower - 2 YRS Personal Tax Returns Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 12047.5 | XXXX | 3.160% |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 0 | 0 | 0 |  |  |  | N/A | 0 |  | N/A | No | No | NA |  | Yes | 37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63621 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 38795 | $44161.75 | XXX | 4.24% | $14539.49 | 4.13% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 45.97% | 45.97% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 38795 | XXXX | 3.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65091 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 3285 | $4174.38 | XXX | 3.68% | $2462.68 | 3.63% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 21.18% | 21.18% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 3285 | XXXX | 3.280% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63639 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 3295 | $3781.46 | XXX | 4.24% | $1211.62 | 4.13% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | MN | XXX |  |  |  | 22.40% | 22.40% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 3295 | XXXX | 3.510% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63726 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8945 | $10644.72 | XXX | 4.48% | $3819.53 | 4.38% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | AZ | XXX |  |  |  | 49.80% | 49.80% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified, Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 8945 | XXXX | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65097 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6135 | $6694.79 | XXX | 3.98% | $1120.74 | 3.75% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 10.86% | 10.86% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 6135 | XXXX | 3.620% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65050 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $6930.13 | XXX |  | $1793.95 | 3.88% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | CA | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  | 743 |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.95 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65047 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $3364.71 |  |  | $1645.83 | 3.88% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | CA | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.06 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63565 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | $1064.64 | 4.00% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | CA | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower - 1 Month Personal Bank Statements Verified | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.18 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63567 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $8961.34 |  |  | $1741.47 | 4.25% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.23 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65045 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6352 | $9376.62 | XXX | 4.044% | $1980.64 | 3.875% | No |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | CA | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - Personal Bank Statements Verified | Borrower | Asset Utilization (No DTI) |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 6352 |  | 3.100% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 2 |  |  | N/A | 0.000 |  | N/A | No | NA | NA | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63559 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 2340 | $5012.06 | XXX | 4.47% | $1922.25 | 4.38% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | CA | XXX |  |  |  | 41.24% | 41.24% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 2340 | XXXX | 3.100% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 |  | N/A | 0 |  | N/A | No | No | 24 | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63751 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4779 | $5607.33 | XXX | 4.45% | $1141.30 | 4.25% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 24.15% | 24.15% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 4779 | XXXX | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63764 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7545 | $9459.81 | XXX | 4.51% | $2496.43 | 4.38% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 44.09% | 44.09% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Personal Bank Statements Verified, Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7545 | XXXX | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65294 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6840 | $7772.83 | XXX | 3.79% | $1687.39 | 3.63% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 46.20% | 46.20% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 6840 | XXXX | 3.620% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65099 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6395 | $7189.95 | XXX | 4.34% | $811.51 | 4.00% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 34.40% | 34.40% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 6395 | XXXX | 3.620% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65295 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $4812.20 | XXX | 3.94% | $1300.21 | 3.88% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Lease Agreements Verified \|\| Co Borrower - Lease Agreements Verified | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.1 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65296 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $3757.85 | XXX | 3.95% | $1135.62 | 3.88% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.30 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63647 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 28115 | $30495.07 | XXX | 4.39% | $4603.62 | 4.12% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | AZ | XXX |  |  |  | 40.65% | 40.65% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 28115 | XXXX | 3.510% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63663 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4420 | $6679.22 | XXX | 4.560% | $477.42 | 4.000% | No |  | Retired |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 43.18% | 43.18% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Retirement, Other REO Net Rental Income(Loss), Other - 1 YR W2 1099 Verified, Award Letter Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 4420 |  | 3.620% |  |  |  | No |  |  | No |  | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.050 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX |
| 65161 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | Yes | 17375 | $21593.22 | XXX | 8.42% | $3866.94 | 8.00% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 49.99% | 49.99% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 0.00% | 100.00% |  | Borrower - SECorporation \|\| Co Borrower - SECorporation - Personal Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 17375 | XXXX | 3.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66835 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $7843.81 | 6.63% | Yes | Yes | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX | XXX |  |  |  | 11 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.1 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  |  | N/A |  |  | US Citizen |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67092 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $970.38 | 7.75% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.92 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -429 | $XXXX |
| 67091 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $4365.90 | 8.00% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.36 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Entry Stamp |  | XXXX | Non Permanent Resident Alien | Foreign National |  | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Entry Stamp |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -1081 | $XXXX |
| 66890 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2673.70 | 9.25% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.08 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66968 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2187.40 | 6.13% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66970 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1441.14 | 6.38% | Yes |  | Not Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.04 |  | N/A | No | No | NA |  | No |  | Permanent Resident Alien | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66996 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1922.88 | 7.88% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.18 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | TX | United States | XXXX |  |  | N/A |  |  | US Citizen | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | TX | UNITED STATES | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -83 |  |
| 67020 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1288.42 | 8.25% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | SC | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.89 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66977 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 11801 | $15861.27 | XXX | 7.94% | $5017.75 | 7.75% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 23.19% | 23.19% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 11801 | XXXX | 5.310% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 24 | 24 | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66997 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5457.5 | $6678.94 | XXX | 7.33% | $1230.69 | 7.00% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | CO | XXX |  |  |  | 30.83% | 30.83% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower | Full Doc | 13 | XXXX | XXXX | 1 |  | 3 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 5457.5 | XXXX | 5.880% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -561 | $XXXX |
| 66879 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1978.31 | 7.25% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 4 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.22 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66830 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $6163.62 | 8.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.94 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66900 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $3134.11 | 7.88% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.1 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -386 | $XXXX |
| 66941 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1951.81 | 8.00% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | AZ | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.83 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Passport |  | AZ | United States | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -112 |  |
| 66852 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2533.77 | 8.13% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 8.62% | 8.62% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66946 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2832.63 | 8.13% | Yes | Yes | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.92 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Unknown |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67051 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1061.69 | 7.63% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Executed 4506T Verified \|\| Co Borrower | Borrower - Executed 4506T Verified \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.98 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -1080 | $XXXX |
| 66843 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7745 | $8592.00 | XXX | 8.37% | $1247.12 | 7.88% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | MI | XXX |  |  |  | 21.75% | 21.75% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - Wage - Missing CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower - Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7745 | XXXX | 5.350% |  |  |  | No |  |  | No |  | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MI | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66893 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12220 | $13587.43 | XXX | 6.93% | $1864.60 | 6.50% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | OR | XXX |  |  |  | 48.30% | 48.30% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESCorp - Executed 4506T Verified, Business Bank Statements Verified - 2022 | Borrower - Executed 4506T Verified - 2022 | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 12220 | XXXX | 5.330% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66904 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8607.5 | $10591.09 | XXX | 7.33% | $1478.09 | 6.88% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 33.58% | 33.58% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | Full Doc | 13 | XXXX | XXXX | 1 |  | 11 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 8607.5 | XXXX | 5.330% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 1 | 0 |  |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66994 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8975 | $10468.67 | XXX | 7.62% | $2652.19 | 7.38% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 41.89% | 41.89% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 8975 | XXXX | 5.310% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67016 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 14190 | $18864.70 | XXX | 8.009% | $7250.69 | 7.875% | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Executed 4506T Verified, Personal Bank Statements Verified \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | Asset Utilization (No DTI) |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 14190 |  | 5.860% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 | 2 |  |  | N/A | 0.000 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -386 | $XXXX |  | XX/XX/XXXX | -386 | $XXXX |
| 67052 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 14045 | $17050.75 | XXX | 8.12% | $4622.32 | 7.88% | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | ID | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Asset Utilization (No DTI) |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 14045 | XXXX | 5.880% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 | 2 |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66981 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $851.28 | 8.38% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | SC | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.34 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -968 | $XXXX |
| 66848 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5232.5 | $6550.21 | XXX | 7.67% | $1023.26 | 7.25% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 37.91% | 37.91% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - Award Letter Verified, Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement | 13 | XXXX | XXXX | 1 |  | 10 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 5232.5 | XXXX | 5.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -443 | $XXXX |
| 66859 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5075 | $5979.67 | XXX | 8.63% | $1156.95 | 8.25% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 19.51% | 19.51% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 50.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 5075 | XXXX | 5.880% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MO | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66912 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12913.75 | $14794.09 | XXX | 9.74% | $3514.14 | 9.38% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 44.06% | 44.06% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 12913.75 | XXXX | 5.180% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -1042 | $XXXX |
| 66851 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 13745 | $16966.31 | XXX | 8.06% | $6018.08 | 7.88% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 38.48% | 38.48% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 13745 | XXXX | 5.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67061 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 17795 | $21091.88 | XXX | 9.66% | $6082.17 | 9.38% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | TN | XXX |  |  |  | 43.79% | 43.79% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | 2YR Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 17795 | XXXX | 5.780% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 2 | 0 |  |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -2510 |  |
| 67067 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12020 | $15072.69 | XXX | 7.87% | $3795.54 | 7.63% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 17.24% | 17.24% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 12020 | XXXX | 5.780% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67062 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2197.45 | 8.25% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.85 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66845 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 46292.75 | $53085.24 | XXX | 6.73% | $12640.73 | 6.50% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 4 | XXX | XXX |  |  |  |  |  |  | 27.87% | 27.87% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 46292.75 | XXXX | 5.180% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66898 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 16380.97 | $19945.72 | XXX | 6.60% | $2369.68 | 6.13% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 37.75% | 37.75% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 16380.97 | XXXX | 5.330% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -430 | $XXXX |
| 66876 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1683.57 | 7.75% | Yes | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  | N/A | 0.89 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67032 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $4515.72 | 10.38% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.09 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -282 | $XXXX |
| 66874 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $863.81 | 9.25% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.2 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | Certificate of Naturalization | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66991 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1882.51 | 6.63% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.56 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National | Yes - ITIN Letter/Certificate | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -140 | $XXXX |
| 67049 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $949.18 | 7.50% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.53 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -112 | $XXXX |
| 66928 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 15127.5 | $17262.84 | XXX | 8.21% | $3647.10 | 7.88% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | CA | XXX |  |  |  | 47.81% | 47.81% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 15127.5 | XXXX | 5.160% |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 2 | 0 |  |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67011 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $5762.23 | XXX | 8.32% | $811.27 | 7.87% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 12.71% | 12.71% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 3533 | XXXX | 5.860% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 24 | 24 | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67050 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9295 | $12758.44 | XXX | 7.67% | $2762.70 | 7.38% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 45.40% | 45.40% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 9295 | XXXX | 5.880% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -145 |  |
| 66854 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2282.63 | 7.63% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | VA | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.90 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66917 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2001.29 | 7.63% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.78 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport | Patriot Act | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66933 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $8626.35 | 6.75% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 43.39% | 43.39% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66959 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1333.96 | 7.75% | Yes | Yes | Employed | Retired |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | HI | XXX |  |  |  | 50.32% | 50.32% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - 2022 | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2022 | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 2 | 0 |  |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | HI | United States | XXXX | USA | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66906 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1396.63 | 8.38% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Unknown | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | GA | XXX |  |  |  | 0.00% | 0.00% |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.9 |  | N/A | No | No | NA |  | No |  | Unknown | US Citizen | N/A |  |  | N/A | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66847 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $3496.07 | 7.50% | Yes |  | Not Employed |  |  |  |  |  | Foreign National |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.04 |  | N/A | No | No | NA |  | No |  | Foreign National | Foreign National | N/A | Passport |  | N/A | South Korea | XXXX | XXXX | XXXX | N/A |  |  |  | US Citizen | N/A |  |  |  | United States |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66940 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1053.06 | 6.88% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | AZ | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.14 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | No | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -699 | $XXXX |
| 66992 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $802.87 | 6.62% | Yes |  | Not Employed |  |  |  |  |  | Foreign National |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | AZ | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.03 |  | N/A | No | No | NA |  | No |  | Foreign National | Foreign National | N/A | Passport |  | N/A | United States | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -138 |  |
| 67003 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1191.30 | 7.37% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National | Foreign National |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.13 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | TX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Non Permanent Resident Alien | Foreign National | No | Passport |  | TX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67007 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $5796.15 | 7.38% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | AZ | XXX |  |  |  | 5.57% | 5.57% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 90.00% |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States | XXXX |  |  | N/A |  |  | Unknown |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -469 |  |
| 66836 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $8564.37 | 7.38% | Yes |  | Not Employed |  |  |  |  |  | US Citizen | Unknown |  |  | XXX | XXX |  |  |  | 34 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.53 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  | Unknown |  | N/A |  |  | N/A | USA | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66961 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2383.84 | 6.50% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.98 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66965 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2054.54 | 8.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.02 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -209 | $XXXX |
| 66971 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $9073.21 | 6.63% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 4 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.05 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -253 | $XXXX |
| 66973 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $725.07 | 7.88% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.17 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66989 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $9311.71 | 7.25% | Yes |  | Not Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.87 |  | N/A | No | No | NA |  | No |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | WA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67027 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1992.82 | 10.75% | Yes | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | NV | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  | N/A | 1.06 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NV | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NV | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67073 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 19057.5 | $20896.66 | XXX | 7.83% | $7184.11 | 7.63% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 21.94% | 21.94% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 19057.5 | XXXX | 5.780% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 24 | 24 | No |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | RESIDENT CARD | N/A | US | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -826 | $XXXX |
| 66850 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1976.31 | 9.13% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other - Executed 4506T Verified | Borrower - Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.95 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -349 |  |
| 66956 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $7484.40 | 8.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 4 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO - Lease Agreements Verified | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.09 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Missing |  |  | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66957 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $3250.72 | 6.13% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.18 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67079 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $997.85 | 7.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.47 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67029 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 25895 | $35115.63 | XXX | 8.01% | $17836.71 | 7.88% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  | CA | XXX |  |  |  | 46.26% | 46.26% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 25895 | XXXX | 5.880% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67035 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9170 | $10093.15 | XXX | 9.39% | $2879.36 | 9.25% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 30.99% | 30.99% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 9170 | XXXX | 5.880% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66944 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1370.29 | 7.63% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.15 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66974 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2532.93 | 7.12% | Yes | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 48.61% | 48.61% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  | Borrower Prepared | Borrower - Wage - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower - 2 YRS Personal Tax Returns Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 2 | 2 | 0 | 0 | 0 |  |  | 6 | N/A | 0 |  | N/A | No | No | 24 | 24 | No | 6 | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States | XXXX |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | Yes - ITIN Card | Standard Driver's License - Not for federal Use |  | WA | usa | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -120 | $XXXX |
| 66983 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1301.07 | 9.00% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National | Foreign National |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.89 |  | N/A | No | No | NA |  | No |  | Foreign National | Foreign National | No | Passport | XXXX Drivers License | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67056 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $3254.91 | 10.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | GA | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.86 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67057 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 13791 | $17350.80 | XXX | 7.94% | $4530.23 | 7.88% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 16.22% | 16.22% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 13791 | XXXX | 5.880% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | 24 | 24 | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -193 | $XXXX |
| 67069 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 14852.5 | $16215.31 | XXX | 9.94% | $8032.41 | 9.75% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 43.82% | 43.82% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 14852.5 | XXXX | 5.780% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 24 | 24 | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -678 | $XXXX |
| 67070 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 10280 | $11993.63 | XXX | 8.04% | $4437.42 | 7.88% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 49.56% | 49.56% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 10280 | XXXX | 5.370% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | 24 | 24 | No |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67086 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7720 | $8575.88 | XXX | 8.50% | $2676.39 | 8.25% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 42.83% | 42.83% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7720 | XXXX | 5.580% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -588 |  |
| 66834 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $3582.06 | 7.75% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen | US Citizen |  | XXX | XXX | XXX |  |  | 6 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.98 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | USA | XXXX | N/A |  |  | US Citizen |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66984 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1107.91 | 6.88% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.35 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -262 |  |
| 66916 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1366.19 | 8.13% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.90 |  | N/A | No | No | NA |  | No |  | US Citizen | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | Employment Authorization Document (I-821D) |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66937 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2962.26 | 7.00% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | AZ | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.04 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66831 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1273.90 | 7.62% | Yes |  | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen | US Citizen |  | XXX | XXX | XXX |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.12 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | FL | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -267 | $XXXX |
| 67058 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1019.84 | 8.25% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.21 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67060 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $890.25 | 8.13% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | MD | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.08 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -1014 | $XXXX |
| 67012 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2088.38 | 9.88% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National | Foreign National |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.71 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67025 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1061.69 | 7.63% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | SC | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.5 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OH | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67044 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1309.89 | 9.37% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.88 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66838 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $10232.64 | 7.25% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 8 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.30 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Other |  | N/A | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NY | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67064 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1659.84 | 8.37% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.06 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National |  | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Non Permanent Resident Alien | Foreign National |  | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67066 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $5515.84 | 7.75% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.10 |  | N/A | No | No | NA |  | No |  | Unknown | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -221 |  |
| 67082 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $3219.44 | 8.50% | Yes |  | Employed |  |  |  |  |  | Foreign National |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.56 |  | N/A | No | No | NA |  | No |  | Unknown | Foreign National | Missing | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -991 | $XXXX |
| 66849 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested | XXX | Not Tested | $1957.29 | 8.88% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 48.83% | 48.83% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66935 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2846.67 | 6.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 4 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.75 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66938 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $716.41 | 7.75% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | AZ | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 2.29 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OR | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -715 |  |
| 66948 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1297.34 | 7.00% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National | Foreign National |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.02 |  | N/A | No | No | NA |  | No |  | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66954 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $909.87 | 8.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.07 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -5251 | $XXXX |
| 66988 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1472.72 | 6.63% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National | Foreign National |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.03 |  | N/A | No | No | NA |  | No |  | Unknown | Foreign National | No | Passport |  | FL | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Unknown | Foreign National | No | Passport |  | FL | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -982 | $XXXX |
| 67010 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1596.73 | 7.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | TX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.18 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67033 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1450.14 | 7.88% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.82 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66902 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1716.48 | 7.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 4 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.17 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CT | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66990 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $3052.17 | 8.00% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National | Foreign National |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.8 |  | N/A | No | No | NA |  | No |  | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66995 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1517.42 | 8.25% | Yes | Yes | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 20.42% | 20.42% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 1 | 0 | 2 | 2 | 2 | 0 |  |  |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67034 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $937.85 | 9.25% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.95 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National | No | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Non Permanent Resident Alien | Unable to Determine |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66863 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $10644.08 | 8.25% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | SC | XXX |  |  |  | 25.34% | 25.34% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 20.00% |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -689 | $XXXX |
| 67055 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1561.45 | 8.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.94 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67071 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1878.20 | 11.63% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | HI | XXX |  |  |  | 23.01% | 23.01% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 |  | N/A | No | No | 24 | 24 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -2614 | $XXXX |
| 66877 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $978.05 | 9.37% | Yes | Yes | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.22 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States | XXXX |  |  | N/A |  |  | US Citizen |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -490 | $XXXX |
| 66903 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1556.81 | 7.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 4 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.65 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CT | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66925 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1125.39 | 7.63% | Yes | Yes | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.13 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  |  | N/A |  |  | US Citizen |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -231 | $XXXX |
| 66966 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1401.43 | 7.63% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | AL | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.03 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -128 | $XXXX |
| 67059 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2588.01 | 8.75% | Yes |  | Not Employed | Not Employed | Not Employed | Not Employed |  |  | Foreign National | Foreign National | Foreign National | Foreign National | XXX | XXX | XXX | XXX |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified \|\| Co Borrower 3 - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified \|\| Co Borrower 3 - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.35 |  | N/A | No | No | NA |  | No |  | Foreign National | Foreign National | No | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Foreign National | Foreign National | No | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Foreign National | Foreign National | No | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |
| 67076 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1722.88 | 8.00% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | NC | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.85 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -1246 | $XXXX |
| 67085 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $1166.32 | 7.75% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.02 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67096 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 40543.13 | $47753.05 | XXX | 7.16% | $7053.50 | 6.75% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | CA | XXX |  |  |  | 35.13% | 35.13% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 40543.13 | XXXX | 5.310% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 60 | 60 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67095 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 15565 | $18795.12 | XXX | 8.94% | $3198.68 | 8.50% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | GA | XXX |  |  |  | 13.98% | 13.98% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 15565 | XXXX | 5.880% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 24 | 24 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -3853 | $XXXX |
| 67093 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7120 | $8025.93 | XXX | 6.61% | $1231.43 | 6.25% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 18.28% | 18.28% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 50.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7120 | XXXX | 5.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67028 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5886.62 | $7147.94 | XXX | 8.17% | $884.74 | 7.63% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.99% | 0.99% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - Family Owned Business - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 5886.62 | XXXX | 5.860% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | 12 | 12 | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66826 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5145 | $5909.00 | XXX | 6.44% | $5739.60 | 6.38% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 47.10% | 47.10% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 5145 | XXXX | 5.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -6471 | $XXXX |
| 66827 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | Not Tested |  | Not Tested | $2583.08 | 8.63% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 0.00% | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.83 |  | N/A | No | No | NA |  | No |  | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66828 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 17870.34 | $20655.24 | XXX | 7.39% | $2512.75 | 6.88% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | FL | XXX |  |  |  | 27.10% | 27.10% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | 100.00% |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 17870.34 | XXXX | 5.310% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 |  | N/A | No | No | NA |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -411 | $XXXX |

---

## Exhibit 99.12

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 51359 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Refinance | Cash Out - Other |  |  |
| 56416 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 61831 |  | D A | Closed | FPRO1244 | 2021-12-16 17:14 | 2021-12-21 09:49 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of 0.0%. - Due Diligence Vendor-12/21/2021 <br> Ready for Review-Canopy valuation process - to order CDA - Seller-12/16/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/15/2021 | Ready for Review-Canopy valuation process - to order CDA - Seller-12/16/2021<br>| Resolved-Received desk review showing value of $XXX and variance of 0.0%. - Due Diligence Vendor-12/21/2021 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA | N/A | N/A |
| 61806 |  | A | Closed | FCOM1232 | 2021-12-20 14:39 | 2021-12-22 11:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-12/22/2021 <br>Ready for Review-Please review the closing package for the docs in the exception - thank you. - Seller-12/20/2021 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-12/17/2021 | Ready for Review-Please review the closing package for the docs in the exception - thank you. - Seller-12/20/2021<br>| Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-12/22/2021<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 61806 |  | A | Closed | FCOM1621 | 2021-12-16 16:36 | 2021-12-22 11:15 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure provided at resubmission. - Due Diligence Vendor-12/22/2021 <br>Open-Initial Escrow Account Disclosure is Missing No evidence of the Initial Escrow Account Disclosure in the file - Due Diligence Vendor-12/16/2021 |  | Resolved-Initial Escrow Account Disclosure provided at resubmission. - Due Diligence Vendor-12/22/2021<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 61806 |  | A | Closed | FCOM1220 | 2021-12-20 14:37 | 2021-12-21 08:57 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present, Resolved, Received Deed of Trust. - Due Diligence Vendor-12/21/2021 <br>Ready for Review-Document Uploaded. Please review the closing package for the docs in the exception - thank you. - Seller-12/20/2021 <br>Open-The Deed of Trust is Missing \*\*\*\*\*The file does not appear to contain the Deed of Trust. - Due Diligence Vendor-12/17/2021 | Ready for Review-Document Uploaded. Please review the closing package for the docs in the exception - thank you. - Seller-12/20/2021<br>| Resolved-The Deed of Trust is Present, Resolved, Received Deed of Trust. - Due Diligence Vendor-12/21/2021<br>|  |  | XXX Closing Package.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 61806 |  | A | Closed | FCOM1206 | 2021-12-20 14:37 | 2021-12-21 08:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present, Resolved, Received the Note. - Due Diligence Vendor-12/21/2021 <br>Ready for Review-Please review the closing package for the docs in the exception - thank you. - Seller-12/20/2021 <br>Open-The Note is Missing \*\*\*\*\*The file does not appear to contain the Note. - Due Diligence Vendor-12/17/2021 | Ready for Review-Please review the closing package for the docs in the exception - thank you. - Seller-12/20/2021<br>| Resolved-The Note is Present, Resolved, Received the Note. - Due Diligence Vendor-12/21/2021<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 61806 |  | A | Closed | finding-3634 | 2021-12-16 16:40 | 2021-12-21 08:45 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/16/2021 <br> Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Resolved, Received executed Final CD. - Due Diligence Vendor-12/21/2021 <br> Resolved-Resolved - Due Diligence Vendor-12/17/2021 <br> Resolved-Resolved - Due Diligence Vendor-12/16/2021 |  | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/16/2021 <br> Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Resolved, Received executed Final CD. - Due Diligence Vendor-12/21/2021 <br> Resolved-Resolved - Due Diligence Vendor-12/17/2021 <br> Resolved-Resolved - Due Diligence Vendor-12/16/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 61806 |  | A | Closed | FCOM1544 | 2021-12-20 14:37 | 2021-12-21 08:37 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided, \*\* Resolved, Received executed Final CD. - Due Diligence Vendor-12/21/2021 <br>Ready for Review-Please review the closing package for the docs in the exception - thank you. - Seller-12/20/2021 <br>Open-TRID: Missing Final Closing Disclosure \*\*\*\*The final closing disclosure does not appear to be in the file. <br> - Due Diligence Vendor-12/17/2021 | Ready for Review-Please review the closing package for the docs in the exception - thank you. - Seller-12/20/2021<br>| Resolved-TRID: Final Closing Disclosure Provided, \*\* Resolved, Received executed Final CD. - Due Diligence Vendor-12/21/2021<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 61779 |  | D A | Closed | FCOM1232 | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/30/2022 <br>Resolved-Final 1003 provided at resubmission- date was not revised, and a separate item added for same. - Due Diligence Vendor-01/04/2022 <br>Ready for Review-Document Uploaded. Please review the Final 1003 which is part of the closing package. Thank you. - Seller-12/28/2021 <br>Open-The Final 1003 is Missing Only 1003 in file is on page 1030 signed by borrower on 09/29/2021 - Due Diligence Vendor-12/28/2021 | Ready for Review-Document Uploaded. Please review the Final 1003 which is part of the closing package. Thank you. - Seller-12/28/2021<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-06/30/2022 <br>Resolved-Final 1003 provided at resubmission- date was not revised, and a separate item added for same. - Due Diligence Vendor-01/04/2022<br>|  |  | XXX Closing Package.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA | N/A | N/A |
| 61779 |  | D A | Closed | FCOM1233 | XXX | XXX | Resolved | 1 - Information A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/30/2022 <br>Resolved-Final 1003 was acknowledged electronically by borrower on the day of settlement which is sufficient to confirm receipt- item resolved. - Due Diligence Vendor-01/10/2022 <br>Ready for Review-Document Uploaded. Please review the Final 1003 - thank you. - Seller-01/10/2022 <br>Open-Final 1003 reflects the Application Date next to signature vs. date of closing. Please provide evidence application was provided and acknowledged by borrower at time of settlement. - Due Diligence Vendor-01/04/2022 | Ready for Review-Document Uploaded. Please review the Final 1003 - thank you. - Seller-01/10/2022<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-06/30/2022 <br>Resolved-Final 1003 was acknowledged electronically by borrower on the day of settlement which is sufficient to confirm receipt- item resolved. - Due Diligence Vendor-01/10/2022<br>|  |  | XXX 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA | N/A | N/A |
| 65087 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Purchase | NA |  |  |
| 66865 |  | D A C | Closed | finding-3632 | XXX | XXX | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received Initial CD issued XXX - Due Diligence Vendor-06/10/2022 <br> Ready for Review-Per QC please review Final CD XXX - thank you. - Seller-06/09/2022 <br> Counter-Received COC records in relation to fee increases. Consummation was on XXX, The Initial CD was issued on XXX. The Initial Closing Disclosure was not provided at least 3 business days before closing. The file does not appear to contain evidence that the 3 day waiting period was waived. - Due Diligence Vendor-03/24/2022 <br> Ready for Review-Document Uploaded. Please review the requested COC - thank you. - Seller-03/23/2022 <br> Counter-Received explanation for increase of the Broker Fee. Provide COC referenced that was issued XXX. - Due Diligence Vendor-03/23/2022 <br> Ready for Review-Please review statement on other exception from today 3.23.2022. Thank you. - Seller-03/23/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*It appears that the initial closing disclosure was received on XXX and the closing was on XXX which is less than 3 business days before close. This makes the COC invalid - Due Diligence Vendor-02/03/2022 | Ready for Review-Per QC please review Final CD XXX - thank you. - Seller-06/09/2022 <br> Ready for Review-Document Uploaded. Please review the requested COC - thank you. - Seller-03/23/2022 <br> Ready for Review-Please review statement on other exception from today 3.23.2022. Thank you. - Seller-03/23/2022 | Resolved-Received Initial CD issued XXX - Due Diligence Vendor-06/10/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX 1.20 Changed Circumstances_3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 66865 |  | D A C | Closed | finding-3634 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received Initial CD issued XXX - Due Diligence Vendor-06/10/2022 <br> Ready for Review-Document Uploaded. Per QC please review Final CD XXX - thank you. - Seller-06/09/2022 <br> Counter-Received COC records in relation to fee increases. Consummation was on XXX, The Initial CD was issued on XXX. The Initial Closing Disclosure was not provided at least 3 business days before closing. The file does not appear to contain evidence that the 3 day waiting period was waived. - Due Diligence Vendor-03/24/2022 <br> Ready for Review-Please review the requested COC - thank you. - Seller-03/23/2022 <br> Counter-Received explanation for increase of the Broker Fee. Provide COC referenced that was issued XXX. - Due Diligence Vendor-03/23/2022 <br> Ready for Review-Please review statement on other exception from today 3.23.2022. Thank you. - Seller-03/23/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*It appears that the initial closing disclosure was received on XXX and the closing was on XXX which is less than 3 business days before close. This makes the COC invalid - Due Diligence Vendor-02/03/2022 | Ready for Review-Document Uploaded. Per QC please review Final CD XXX - thank you. - Seller-06/09/2022 <br> Ready for Review-Please review the requested COC - thank you. - Seller-03/23/2022 <br> Ready for Review-Please review statement on other exception from today 3.23.2022. Thank you. - Seller-03/23/2022 | Resolved-Received Initial CD issued XXX - Due Diligence Vendor-06/10/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 66865 |  | D A C | Closed | finding-3532 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial CD issued XXX - Due Diligence Vendor-06/10/2022 <br> Ready for Review-Per QC please review Final CD XXX - thank you. - Seller-06/09/2022 <br> Counter-Received COC records in relation to fee increases. Consummation was on XXX, The Initial CD was issued on XXX. The Initial Closing Disclosure was not provided at least 3 business days before closing. The file does not appear to contain evidence that the 3 day waiting period was waived. - Due Diligence Vendor-03/24/2022 <br> Ready for Review-Please review the requested COC - thank you. - Seller-03/23/2022 <br> Counter-Received explanation for increase of the Broker Fee. This does not resolve this finding. The Initial CD XXX was not issued at least 3 days before consummation. - Due Diligence Vendor-03/23/2022 <br> Ready for Review-Please review comments from QC: No need to process cure request:, the Mtg. Broker Fee was disclosed by the Broker as a percentage of XXX and has been disclosed by XXXX that way since Initial Disclosures on XXX, There was a CIC on XXX increasing the loan amount where the Mtg. Broker Fee was included in the change. <br> Thank you. - Seller-03/23/2022 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\* It appears that the initial closing disclosure was received on XXX and the closing was on XXX which is less than 3 business days before close. - Due Diligence Vendor-02/03/2022 | Ready for Review-Per QC please review Final CD XXX - thank you. - Seller-06/09/2022 <br> Ready for Review-Please review the requested COC - thank you. - Seller-03/23/2022 <br> Ready for Review-Please review comments from QC: No need to process cure request:, the Mtg. Broker Fee was disclosed by the Broker as a percentage of XXX and has been disclosed by Acra that way since Initial Disclosures on XXX, There was a CIC on XXX increasing the loan amount where the Mtg. Broker Fee was included in the change. <br> Thank you. - Seller-03/23/2022 | Resolved-Received Initial CD issued XXX - Due Diligence Vendor-06/10/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 66865 |  | D A C | Closed | finding-3631 | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received Initial CD issued XXX - Due Diligence Vendor-06/10/2022 <br> Ready for Review-Per QC please review Final CD XXX - thank you. - Seller-06/09/2022 <br> Counter-Received COC records in relation to fee increases. Consummation was on XXX, The Initial CD was issued on XXX. The Initial Closing Disclosure was not provided at least 3 business days before closing. The file does not appear to contain evidence that the 3 day waiting period was waived. - Due Diligence Vendor-03/24/2022 <br> Ready for Review-Please review the requested COC - thank you. - Seller-03/23/2022 <br> Counter-Received explanation for increase of the Broker Fee. Provide COC referenced that was issued XXX - Due Diligence Vendor-03/23/2022 <br> Ready for Review-Please review statement on other exception from today 3.23.2022. Thank you. - Seller-03/23/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*It appears that the initial closing disclosure was received on XXX and the closing was on XXX which is less than 3 business days before close. This makes the COC invalid - Due Diligence Vendor-02/03/2022 | Ready for Review-Per QC please review Final CD XXX - thank you. - Seller-06/09/2022 <br> Ready for Review-Please review the requested COC - thank you. - Seller-03/23/2022 <br> Ready for Review-Please review statement on other exception from today 3.23.2022. Thank you. - Seller-03/23/2022 | Resolved-Received Initial CD issued XXX - Due Diligence Vendor-06/10/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 66865 |  | D A C | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-02/16/2022 <br> Ready for Review-Canopy valuation process - to order process. - Seller-02/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/03/2022 | Ready for Review-Canopy valuation process - to order process. - Seller-02/04/2022<br>| Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-02/16/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 66865 |  | D A C | Closed | FCRE1201 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Items noted include flag for prior foreclosure which is confirmed as reviewed as listed on original credit report. Phone trace is not of issue and no significant discrepancy for SSN indicated. Item resolved and no further documentation needed. - Due Diligence Vendor-02/07/2022 <br>Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-02/05/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/02/2022 | Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-02/05/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. Items noted include flag for prior foreclosure which is confirmed as reviewed as listed on original credit report. Phone trace is not of issue and no significant discrepancy for SSN indicated. Item resolved and no further documentation needed. - Due Diligence Vendor-02/07/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX DataV Fraud Reporting.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 63621 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/01/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/01/2022<br>| Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 65091 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-03/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/01/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/01/2022<br>| Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-03/11/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.84% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.84% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 65091 |  | D A | Closed | FCRE1201 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. No outstanding high or moderate risk flags to be addressed. - Due Diligence Vendor-03/02/2022 <br>Ready for Review-Document Uploaded. Please review the fraud report. Thank you. - Seller-03/01/2022 <br>Open-Missing Third Party Fraud Report Fraud Report not on file - Due Diligence Vendor-02/25/2022 | Ready for Review-Document Uploaded. Please review the fraud report. Thank you. - Seller-03/01/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. No outstanding high or moderate risk flags to be addressed. - Due Diligence Vendor-03/02/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.84% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.84% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  | XXX DataV Fraud Reporting.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 63639 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | MN | Primary Residence | Purchase | NA |  |  |
| 63726 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Purchase | NA |  |  |
| 65097 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved<br>- Due Diligence Vendor-03/30/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/07/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/21/2022<br>| Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved<br>- Due Diligence Vendor-03/30/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.31% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.31% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 65050 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-04/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/17/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/11/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/17/2022<br>| Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-04/11/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 65047 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other |  |  |
| 63565 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-04/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/16/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/11/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/16/2022<br>| Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-04/11/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 63567 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other |  |  |
| 65045 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 63559 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 63751 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-04/06/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/31/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022<br>| Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-04/06/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 63764 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-04/06/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/31/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/16/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/16/2022<br>| Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-04/06/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 147 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.82% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 65294 |  | A B | Closed | FCOM1266 | XXX | XXX | Acknowledged | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Acknowledged-Client accepts Grade 2 - non material finding. - Due Diligence Vendor-03/18/2022 <br>Ready for Review-Rating 2 finding. - Seller-03/17/2022 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/17/2022 | Ready for Review-Rating 2 finding. - Seller-03/17/2022<br>| Acknowledged-Client accepts Grade 2 - non material finding. - Due Diligence Vendor-03/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 65099 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other |  |  |
| 65295 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Cash Out - Other |  |  |
| 65296 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Cash Out - Other |  |  |
| 63647 |  | A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-04/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/31/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-03/31/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/31/2022<br>| Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved - Due Diligence Vendor-04/07/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.97% Is Below The Guideline Maximum Of 86% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.97% Is Below the Guideline Maximum Of 86% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 63663 |  | D A | Closed | FCRE1193 | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Concur with calculations as noted on resubmission- investor guidelines allow for 100% of gross rents to be considered without applied vacancy factor. Further, income for the second unit of the primary residence is analyzed separate from PITI- once revisions applied appropriately, matches lender 1008- issue is resolved. - Due Diligence Vendor-03/29/2022 <br> Ready for Review-Document Uploaded. Hello, we uploaded corrected ULAW with correct DTI. There is a system limitation for separating out and granting the $XXXX rents for the 2nd unit noted on the appraisal so we had to add it as regular income for the correct DTI to be represented. Thank you. - Seller-03/28/2022 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% Audited DTI is XXX% matches what is on UW Approval Worksheet. Did not see an exception in file. - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. Hello, we uploaded corrected ULAW with correct DTI. There is a system limitation for separating out and granting the $XXX rents for the 2nd unit noted on the appraisal so we had to add it as regular income for the correct DTI to be represented. Thank you. - Seller-03/28/2022 | Resolved-Concur with calculations as noted on resubmission- investor guidelines allow for XXX% of gross rents to be considered without applied vacancy factor. Further, income for the second unit of the primary residence is analyzed separate from PITI- once revisions applied appropriately, matches lender 1008- issue is resolved. - Due Diligence Vendor-03/29/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.23% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 19.23% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | XXX Underwriting Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 63663 |  | D A | Closed | FCRE1467 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Full XXX month history provided for account used in qualifying, item resolved. - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Document Uploaded. Here is one more statement for XXX - thank you. - Seller-03/18/2022 <br> Ready for Review-Document Uploaded. Please review XXX statements for XXX - thank you. - Seller-03/18/2022 <br> Open-Asset 1 Missing Missing Statements from checking XXX. Checking account XXX to verify assets. - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. Here is one more statement for #XXX - thank you. - Seller-03/18/2022 <br> Ready for Review-Document Uploaded. Please review XXX Bank statements for #XXX - thank you. - Seller-03/18/2022 | Resolved-Full XXX month history provided for account used in qualifying, item resolved. - Due Diligence Vendor-03/22/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.23% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 19.23% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | XXX Bank Statement XXX.pdf<br> XXX Bank Statement XXX.pdf<br> XXX Bank Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 65161 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA |  |  |
| 66835 |  | D A | Closed | FPRO868 | XXX | XXX | Resolved | 1 - Information A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-Commercial Appraisal Review provided at resubmission affirming original value of $XXX, a 0% variance. - Due Diligence Vendor-08/26/2022 <br> Ready for Review-Document Uploaded. Please review the CDA for this multifamily loan. Thank you. - Seller-08/25/2022 <br> Counter-CDA ordered by XXXX, pending delivery of CDA. - Due Diligence Vendor-08/18/2022 <br> Ready for Review-CDA was placed by V in July, awaiting results for upload to you. Thank you. - Seller-08/18/2022 <br> Open-Commercial BPO provided with a value of $XXX or -19.18% variance. Additional product required. - Due Diligence Vendor-07/18/2022 | Ready for Review-Document Uploaded. Please review the CDA for this multifamily loan. Thank you. - Seller-08/25/2022 <br>Ready for Review-CDA was placed by Acra in July, awaiting results for upload to you. Thank you. - Seller-08/18/2022<br>| Resolved-Commercial Appraisal Review provided at resubmission affirming original value of $XXX, a 0% variance. - Due Diligence Vendor-08/26/2022 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXX CDA XXX_XXX(XXX)-XX_merged.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | DC | Investment | Purchase | NA | N/A | N/A |
| 66835 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Commercial BPO provided with a value of $XXX or -19.18% variance. Additional finding applied. - Due Diligence Vendor-07/18/2022 <br> Ready for Review-Update: XXXX has already ordered the CDA on this multifamily property per that workflow. Please DO NOT please a CDA yet. Thank you. - Seller-07/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/08/2022 | Ready for Review-Update: Acra has already ordered the CDA on this multifamily property per that workflow. Please DO NOT please a CDA yet. Thank you. - Seller-07/11/2022 <br>Ready for Review-Canopy valuation process - to order product. - Seller-07/11/2022<br>| Resolved-Commercial BPO provided with a value of $XXX or -19.18% variance. Additional finding applied. - Due Diligence Vendor-07/18/2022 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | DC | Investment | Purchase | NA | N/A | N/A |
| 67092 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0% variance. finding resolved - Due Diligence Vendor-07/19/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/14/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/15/2022<br>| Resolved-desk review provided with value of $ XXX or 0% variance. finding resolved - Due Diligence Vendor-07/19/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | KS | Investment | Purchase | NA | N/A | N/A |
| 67091 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or -9.2% variance . finding resolved - Due Diligence Vendor-07/20/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/18/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/15/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/18/2022<br>| Resolved-desk review provided with value of $ XXX or -9.2% variance . finding resolved - Due Diligence Vendor-07/20/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 66890 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/20/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/19/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/19/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/19/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/20/2022 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66968 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/20/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/19/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/19/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/19/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/20/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.78% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66996 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 67020 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value$XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/22/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/19/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/21/2022<br>| Resolved-desk review provided with value$ XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/22/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | SC | Investment | Purchase | NA | N/A | N/A |
| 66977 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Purchase | NA |  |  |
| 66997 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/25/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/20/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/21/2022<br>| Resolved-desk review provided with value of $XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/25/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.22% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CO | Primary Residence | Purchase | NA | N/A | N/A |
| 66879 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/25/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/22/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/20/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/22/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/25/2022 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NJ | Investment | Purchase | NA | N/A | N/A |
| 66830 |  | D B A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-11/09/2022 <br> Resolved-desk review provided with value $XXX or -8.6% variance .finding resolved - Due Diligence Vendor-07/22/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/20/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/20/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/20/2022<br>| Resolved-Document Uploaded. - Due Diligence Vendor-11/09/2022 <br> Resolved-desk review provided with value $XXX or -8.6% variance .finding resolved - Due Diligence Vendor-07/22/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  | XXX_RDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NY | Investment | Purchase | NA | N/A | N/A |
| 66830 |  | D B A | Closed | FCRE1194 | XXX | XXX | Acknowledged | 2 - Non-Material A B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Investor Exception issued to allow for XXX% LTV vs. 65% standard policy based on DSCR calculation. - Due Diligence Vendor-07/27/2022 |  | Acknowledged-Investor Exception issued to allow for XXX% LTV vs. XXX% standard policy based on DSCR calculation. - Due Diligence Vendor-07/27/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points | XXX FICO; significant downpayment made into transaction; seasoned XXXX investor |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NY | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 66900 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Debt Consolidation |  |  |
| 66941 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Purchase | NA |  |  |
| 66852 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NJ | Investment | Refinance | Cash Out - Other |  |  |
| 66946 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/26/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022 <br> Open-CDA Not Provided and CDA Needed - Due Diligence Vendor-07/21/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022<br>| Resolved-desk review provided with value of $ XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/26/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 67051 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/22/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/21/2022 <br> Open-3rd party product missing from loan file - Due Diligence Vendor-07/21/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/21/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/22/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.67% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66843 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | MI | Primary Residence | Purchase | NA |  |  |
| 66893 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | OR | Primary Residence | Refinance | Cash Out - Other |  |  |
| 66904 |  | D A | Closed | FCRE1201 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Flags included for recent transaction on subject which was documented in file with modification post-bankruptcy. Income validated as per policy and AVM confirms appraised value. - Due Diligence Vendor-07/27/2022 <br>Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-07/26/2022 <br>Open-Missing Third Party Fraud Report Fraud report not provided in file. - Due Diligence Vendor-07/21/2022 | Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-07/26/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. Flags included for recent transaction on subject which was documented in file with modification post-bankruptcy. Income validated as per policy and AVM confirms appraised value. - Due Diligence Vendor-07/27/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.23% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals XXX<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years |  | XXX DataV Fraud Reporting.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 66994 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | PA | Primary Residence | Purchase | NA |  |  |
| 67016 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/25/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/22/2022 <br> Open-3rd party product missing from loan file. - Due Diligence Vendor-07/22/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/22/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance . finding resolved - Due Diligence Vendor-07/25/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 23.64% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 67052 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | ID | Primary Residence | Purchase | NA |  |  |
| 66981 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | SC | Investment | Purchase | NA |  |  |
| 66848 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/25/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/22/2022 <br> Open-3rd party product not provided but needed. Order placed for CDA. - Due Diligence Vendor-07/22/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/22/2022<br>| Resolved-desk review provided with value of $XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/25/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.88% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 50 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 66859 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | MO | Primary Residence | Purchase | NA |  |  |
| 66912 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 66851 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/26/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022 <br> Open-Desk review not provided and CDA needed. Order placed for CDA. - Due Diligence Vendor-07/22/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-07/26/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.33% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 67061 |  | D A | Closed | FCOM1224 | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-The Condo Rider is Present - Due Diligence Vendor-11/09/2022 <br>Resolved-Received Condo Rider - Due Diligence Vendor-07/28/2022 <br>Ready for Review-Document Uploaded. Please review the Condo Rider - thank you. - Seller-07/27/2022 <br>Open-Condo Rider is Missing - Due Diligence Vendor-07/22/2022 | Ready for Review-Document Uploaded. Please review the Condo Rider - thank you. - Seller-07/27/2022<br>| Resolved-The Condo Rider is Present - Due Diligence Vendor-11/09/2022 <br>Resolved-Received Condo Rider - Due Diligence Vendor-07/28/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years |  | XXX Deed of trust - Deed of Trust (8 - PRE-Recordings).pdf (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TN | Primary Residence | Purchase | NA | N/A | N/A |
| 67061 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % value . finding resolved - Due Diligence Vendor-07/26/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022 <br> Open-Desk review not provided and CDA needed. Order placed for CDA. - Due Diligence Vendor-07/22/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022<br>| Resolved-desk review provided with value $ XXX or 0 % value . finding resolved - Due Diligence Vendor-07/26/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TN | Primary Residence | Purchase | NA | N/A | N/A |
| 67067 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | WA | Primary Residence | Purchase | NA |  |  |
| 67062 |  | A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0% variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022 <br> Open-CDA not provided but required. Order placed for third party product. - Due Diligence Vendor-07/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022<br>| Resolved-desk review provided with value $ XXX or 0% variance .finding resolved - Due Diligence Vendor-08/01/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 725 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.9% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66845 |  | B A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022 <br> Open-CDA not provided but required. Order placed for third party product. - Due Diligence Vendor-07/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.46% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | SC | Primary Residence | Purchase | NA | N/A | N/A |
| 66898 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other |  |  |
| 66876 |  | A B | Closed | FCRE1200 | XXX | XXX | Acknowledged | 2 - Non-Material A B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-QUALIFYING FICO IS GREATER THAN THE GUIDELINE MINIMUM BY TWENTY (20) OR MORE POINTS<br> MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS - Due Diligence Vendor-12/30/2022 <br> Acknowledged-Investor Exception issue to allow for loan amount of $XXX vs. standard program minimum of $XXX on an interest-only term. DSCR approved at XXX; actual ratio confirmed as XXX; nominal variance to original accommodation. - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Document Uploaded. Please review the ULAW for this finding - thank you. - Seller-07/29/2022 <br> Open-Investor Exception in the file for Loan Amount of $XXX, which is less than the Guideline Minimum Loan Amount of $XXX. Final loan amount however, was reduced to $XXX. Additionally, Exception quoted DSCR as XXX, due to undercalculating final insurance premium- actual DSCR is XXX. Please provide an acceptable updated Investor Exception to proceed with revised parameters. - Due Diligence Vendor-07/26/2022 | Ready for Review-Document Uploaded. Please review the ULAW for this finding - thank you. - Seller-07/29/2022<br>| Acknowledged-QUALIFYING FICO IS GREATER THAN THE GUIDELINE MINIMUM BY TWENTY (20) OR MORE POINTS<br> MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS - Due Diligence Vendor-12/30/2022 <br> Acknowledged-Investor Exception issue to allow for loan amount of $XXX vs. standard program minimum of $XXX on an interest-only term. DSCR approved at XXX; actual ratio confirmed as XXX; nominal variance to original accommodation. - Due Diligence Vendor-08/01/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points | XXX Underwriting Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | WA | Investment | Refinance | Cash Out - Other | Investor Post-Close | No |
| 66876 |  | A B | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/03/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022 <br> Open-CDA not provided but required. Order placed for third party product. - Due Diligence Vendor-07/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022<br>| Resolved-desk review provided with value of $ XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/03/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | WA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 67032 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Purchase | NA |  |  |
| 66874 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0% variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Open-CDA not provided but required. Order placed for third party product. - Due Diligence Vendor-07/26/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022<br>| Resolved-desk review provided with value of $XXX or 0% variance .finding resolved - Due Diligence Vendor-08/01/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NY | Investment | Purchase | NA | N/A | N/A |
| 66991 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CO | Investment | Purchase | NA |  |  |
| 67049 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0% variance . finding resolved - Due Diligence Vendor-08/01/2022 <br> Open-CDA not provided but required. Order placed for third party product. - Due Diligence Vendor-07/26/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/25/2022<br>| Resolved-desk review provided with value $ XXX or 0% variance . finding resolved - Due Diligence Vendor-08/01/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | WI | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66928 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 67011 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0% variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022 <br> Open- - Due Diligence Vendor-07/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022<br>| Resolved-desk review provided with value $XXX or 0% variance .finding resolved - Due Diligence Vendor-08/01/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Second Home | Purchase | NA | N/A | N/A |
| 67050 |  | A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022 <br> Open-CDA not provided but required. Order placed for third party product. - Due Diligence Vendor-07/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.65% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 66854 |  | D A | Closed | FCOM1231 | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Initial 1003 is Missing | Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-07/27/2022 <br>Ready for Review-Document Uploaded. Please review the Initial 1003 - thank you. - Seller-07/27/2022 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-07/26/2022 | Ready for Review-Document Uploaded. Please review the Initial 1003 - thank you. - Seller-07/27/2022<br>| Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-07/27/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXX Broker Initial 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | VA | Investment | Purchase | NA | N/A | N/A |
| 66917 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/01/2022 <br> Open-CDA not provided but required. Order placed for third party product. - Due Diligence Vendor-07/26/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/01/2022 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA | N/A | N/A |
| 66933 |  | A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-11/09/2022 <br> Resolved-desk review provided with value $XXX or -7.9% variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022 <br> Open-CDA not provided but required. Order placed for third party product. - Due Diligence Vendor-07/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/26/2022<br>| Resolved-Document Uploaded. - Due Diligence Vendor-11/09/2022 <br> Resolved-desk review provided with value $XXX or -7.9% variance .finding resolved - Due Diligence Vendor-08/01/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXX_RDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66959 |  | C A | Closed | FCRE1193 | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Agree with revisions to Approval and Underwriting Worksheet- rental income for subject included in qualifying as outlined on Page XXX of Seller Guide; DTI is in line at XXX%, thus item resolved. - Due Diligence Vendor-08/03/2022 <br> Ready for Review-Document Uploaded. Please review approval, ULAW w/ UW comments: Please review the updated ULAW and approval now using the $XXX subject rent figure that was not included previously and also including the XXX debt in the DTI.. Thank you. - Seller-08/02/2022 <br> Counter-After additional review, discrepancy appears to be due to exclusion of installment debt for $XXX/mo on the Underwriting Worksheet, however file does not contain supporting documentation for same. Please provide proof of payoff of this debt and source of funds or appropriate verification another party is responsible for this payment. - Due Diligence Vendor-07/29/2022 <br> Ready for Review-Please provide a compliance report for the calculations - thank you. - Seller-07/28/2022 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% Income calculated slightly lower than lender calculation. - Due Diligence Vendor-07/26/2022 | Ready for Review-Document Uploaded. Please review approval, ULAW w/ UW comments: Please review the updated ULAW and approval now using the $XXX subject rent figure that was not included previously and also including the XXX debt in the DTI.. Thank you. - Seller-08/02/2022 <br> Ready for Review-Please provide a compliance report for the calculations - thank you. - Seller-07/28/2022 | Resolved-Agree with revisions to Approval and Underwriting Worksheet- rental income for subject included in qualifying as outlined on Page XXX of Seller Guide; DTI is in line atXXX%, thus item resolved. - Due Diligence Vendor-08/03/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years |  | XXX Approval.pdf<br> XXX Underwriting Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | HI | Investment | Purchase | NA | N/A | N/A |
| 66906 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | GA | Investment | Purchase | NA |  |  |
| 66847 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other |  |  |
| 66940 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/27/2022 <br> Open-CDA not provided but required. Order placed for third party product. <br> - Due Diligence Vendor-07/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/27/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Purchase | NA | N/A | N/A |
| 66992 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0% variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/27/2022 <br> Open-CDA not provided but required. Order placed for third party product. <br> - Due Diligence Vendor-07/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/27/2022<br>| Resolved-desk review provided with value $ XXX or 0% variance .finding resolved - Due Diligence Vendor-08/01/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Purchase | NA | N/A | N/A |
| 67003 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 67007 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Purchase | NA |  |  |
| 66836 |  | D B A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-08/25/2022 <br> Resolved-BPO provided with a value of $XXX or 0.38% variance. Finding resolved. - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Acra Lending has ordered the CDA for this multifamily loan - thank you. - Seller-07/28/2022 <br> Open-3rd party product not provided and CDA needed. Order placed for 3rd party product. - Due Diligence Vendor-07/27/2022 | Ready for Review-Acra Lending has ordered the CDA for this multifamily loan - thank you. - Seller-07/28/2022<br>| Resolved-Document Uploaded. - Due Diligence Vendor-08/25/2022 <br> Resolved-BPO provided with a value of $XXX or 0.38% variance. Finding resolved. - Due Diligence Vendor-08/11/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | XXX CDA XXX_XXX_merged.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 66836 |  | D B A | Closed | FCOM1621 | XXX | XXX | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Acknowledged-client accepts finding as non-material. Finding Acknowledged. - Due Diligence Vendor-08/03/2022 <br>Ready for Review-Material 2 finding - Seller-08/01/2022 <br>Counter-Although this is a business purpose loan, per § 1024.17 regulation, the lender shall submit an initial escrow account disclosure statement to the borrower at settlement or within 45 calendar days of settlement for escrow accounts that are established. - Due Diligence Vendor-07/29/2022 <br>Ready for Review-Please note that business purpose loans do not fall under TRID. Thank you. - Seller-07/28/2022 <br>Open-Initial Escrow Account Disclosure is Missing \*\*\*\*Initial Escrow Account Disclosure is Missing\*\*\*\* - Due Diligence Vendor-07/28/2022 | Ready for Review-Material 2 finding - Seller-08/01/2022 <br>Ready for Review-Please note that business purpose loans do not fall under TRID. Thank you. - Seller-07/28/2022<br>| Acknowledged-client accepts finding as non-material. Finding Acknowledged. - Due Diligence Vendor-08/03/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No |
| 66961 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 66965 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other |  |  |
| 66971 |  | D A C | Closed | FCRE1197 | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Revised worksheet and approval form now provided supporting acceptance under BBB Credit Grade. - Due Diligence Vendor-08/16/2022 <br> Ready for Review-Document Uploaded. Please review the Approval - thank you. - Seller-08/15/2022 <br> Counter-Please provide corrected Final Approval form with revised Credit Grade of BBB, matching Worksheet uploaded here. - Due Diligence Vendor-08/02/2022 <br> Ready for Review-Document Uploaded. Please review the ULAW - thank you. - Seller-08/01/2022 <br> Open-Audited FICO of XXX is less than Guideline FICO of XXX Audited FICO is XXX. Credit Grade AAA minimum FICO is XXX - Due Diligence Vendor-07/28/2022 | Ready for Review-Document Uploaded. Please review the Approval - thank you. - Seller-08/15/2022 <br>Ready for Review-Document Uploaded. Please review the ULAW - thank you. - Seller-08/01/2022<br>| Resolved-Revised worksheet and approval form now provided supporting acceptance under BBB Credit Grade. - Due Diligence Vendor-08/16/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX Underwriting Worksheet.pdf<br> XXX Approval.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66971 |  | D A C | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance. .finding resolved - Due Diligence Vendor-08/03/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/29/2022 <br> Open-3rd party product not provided and CDA needed. Order placed for 3rd party product. - Due Diligence Vendor-07/27/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/29/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance. .finding resolved - Due Diligence Vendor-08/03/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66973 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 66989 |  | D A C | Closed | FCRE1159 | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Updated Hazard Insurance Effective Date of XXX is equal to the Disbursement Date of XXX. - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Document Uploaded. Please review the HOP effective at closing - thank you. - Seller-07/29/2022 <br> Open-Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX - Due Diligence Vendor-07/28/2022 | Ready for Review-Document Uploaded. Please review the HOP effective at closing - thank you. - Seller-07/29/2022<br>| Resolved-Updated Hazard Insurance Effective Date of XXX is equal to the Disbursement Date of XXX. - Due Diligence Vendor-08/01/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX Hazard Insurance Policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | DC | Investment | Purchase | NA | N/A | N/A |
| 66989 |  | D A C | Closed | FCRE1167 | XXX | XXX | Resolved | 1 - Information A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-RCE provided via resubmission, policy in file reflects adequate dwelling coverage. - Due Diligence Vendor-08/03/2022 <br> Ready for Review-Document Uploaded. Please review the insurance RCE - thank you. - Seller-08/03/2022 <br> Counter-Agree that the Cost Approach to Value from the appraisal is an acceptable source, however, policy in file reflects maximum coverage of $XXX, which is insufficient for loan size and anticipated cost to rebuild. Please provide additional estimate to support that sufficient coverage is in place or proof of increased coverage. - Due Diligence Vendor-08/02/2022 <br> Ready for Review-Please review the RCE of $XXX from the appraisal's cost approach - Per updated guidelines from Spring the appraisal can be used from appraisal - thank you. - Seller-08/01/2022 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided. Coverage of $XXX is insufficient for loan size of $XXX and anticipated cost to build per appraisal of $XXX. - Due Diligence Vendor-08/01/2022 | Ready for Review-Document Uploaded. Please review the insurance RCE - thank you. - Seller-08/03/2022 <br> Ready for Review-Please review the RCE of $XXX from the appraisal's cost approach - Per updated guidelines from Spring the appraisal can be used from appraisal - thank you. - Seller-08/01/2022 | Resolved-RCE provided via resubmission, policy in file reflects adequate dwelling coverage. - Due Diligence Vendor-08/03/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX Hazard Insurance Policy - RCE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | DC | Investment | Purchase | NA | N/A | N/A |
| 66989 |  | D A C | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/03/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/29/2022 <br> Open-3rd party product not provided and CDA needed. Order placed for 3rd party product. <br> - Due Diligence Vendor-07/27/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/29/2022<br>| Resolved-desk review provided with value of $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/03/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | DC | Investment | Purchase | NA | N/A | N/A |
| 67027 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/28/2022 <br> Open-3rd party product not provided and CDA needed. Order placed for 3rd party product. <br> - Due Diligence Vendor-07/27/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/28/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NV | Investment | Purchase | NA | N/A | N/A |
| 67073 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA |  |  |
| 66850 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Cash Out - Other |  |  |
| 66956 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/03/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/29/2022 <br> Open-CDA not provided and CDA needed. Order placed for 3rd party product. - Due Diligence Vendor-07/29/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/29/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/03/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | IL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66957 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/03/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-07/29/2022 <br> Open-CDA not provided and CDA needed. Order placed for 3rd party product. - Due Diligence Vendor-07/29/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-07/29/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/03/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 67079 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 67029 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 67035 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA |  |  |
| 66944 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-11/18/2022 <br> Resolved-desk review provided with value $XXX or -2.5% variance .finding resolved - Due Diligence Vendor-08/05/2022 <br> Open-CDA not provided but CDA needed. Order placed for third party product. - Due Diligence Vendor-08/02/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/01/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/01/2022<br>| Resolved-Document Uploaded. - Due Diligence Vendor-11/18/2022 <br> Resolved-desk review provided with value $ XXX or -2.5% variance .finding resolved - Due Diligence Vendor-08/05/2022 |  |  | XXX_RDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | LA | Investment | Purchase | NA | N/A | N/A |
| 66974 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/05/2022 <br> Open-CDA not provided but CDA needed. Order placed for third party product. - Due Diligence Vendor-08/02/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/01/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/01/2022<br>| Resolved-desk review provided with value of $ XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/05/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | WA | Investment | Purchase | NA | N/A | N/A |
| 66983 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 67056 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | GA | Investment | Purchase | NA |  |  |
| 67057 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 67069 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA |  |  |
| 67070 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | ID | Primary Residence | Purchase | NA |  |  |
| 67086 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with value of $XXX or 0 % variance .finding resolved . - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/02/2022 <br> Open-CDA not provided but CDA needed. Order placed for third party product. - Due Diligence Vendor-08/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/02/2022<br>| Resolved-Desk review provided with value of $XXX or 0 % variance .finding resolved . - Due Diligence Vendor-08/10/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 66834 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-received desk review - Due Diligence Vendor-08/29/2022 <br>Ready for Review-Document Uploaded. Please review the CDA for this multifamily loan. Thank you. - Seller-08/25/2022 <br>Ready for Review-Acra has placed the CDA for this multifamily loan. We'll deliver results as soon as the AMC sends the report to us, thank you. - Seller-08/02/2022 <br>Open-Seller to provide CDA for commercial product. - Due Diligence Vendor-08/02/2022 | Ready for Review-Document Uploaded. Please review the CDA for this multifamily loan. Thank you. - Seller-08/25/2022 <br> Ready for Review-XXX has placed the CDA for this multifamily loan. We'll deliver results as soon as the XXX sends the report to us, thank you. - Seller-08/02/2022 | Resolved-received desk review - Due Diligence Vendor-08/29/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 Years<br>Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 20% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years |  | XXX CDA XXX_XXX_merged.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66984 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance . finding rresolved - Due Diligence Vendor-08/05/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/02/2022 <br> Open-CDA not provided but CDA needed. Order placed for third party product. - Due Diligence Vendor-08/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/02/2022<br>| Resolved-desk review provided with value $ XXX or 0 % variance . finding rresolved - Due Diligence Vendor-08/05/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.98% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA | N/A | N/A |
| 66916 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Cash Out - Other |  |  |
| 66831 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/08/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/03/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/03/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/08/2022 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 67058 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | MI | Investment | Purchase | NA |  |  |
| 67060 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022<br>| Resolved-desk review provided with value of $ XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/10/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | MD | Investment | Purchase | NA | N/A | N/A |
| 67012 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance. finding resolved . - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance. finding resolved . - Due Diligence Vendor-08/10/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 67025 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX and -5.1% variance .finding resolved. - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022<br>| Resolved-desk review provided with value $ XXX and -5.1% variance .finding resolved. - Due Diligence Vendor-08/10/2022 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.42 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.81% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | SC | Investment | Purchase | NA | N/A | N/A |
| 67044 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 66838 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received Desk Review - Due Diligence Vendor-08/29/2022 <br>Ready for Review-Document Uploaded. Please review the CDA for this multifamily loan. Thank you. - Seller-08/25/2022 <br>Ready for Review-Acra has placed this CDA on this multifamily loan and we'll deliver it as soon we we receive it from the AMC. - Seller-08/04/2022 <br>Open-3rd party product missing from loan file - Due Diligence Vendor-08/04/2022 | Ready for Review-Document Uploaded. Please review the CDA for this multifamily loan. Thank you. - Seller-08/25/2022 <br> Ready for Review-XXX has placed this CDA on this multifamily loan and we'll deliver it as soon we we receive it from the XXX. - Seller-08/04/2022 | Resolved-Received Desk Review - Due Diligence Vendor-08/29/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXX CDA XXX merged.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 67064 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 67066 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0% variance .finding resolved - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022<br>| Resolved-desk review provided with value $XXX or 0% variance .finding resolved - Due Diligence Vendor-08/10/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA | N/A | N/A |
| 67082 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance. finding resolved - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/04/2022<br>| Resolved-desk review provided with value of $XXX or 0 % variance. finding resolved - Due Diligence Vendor-08/10/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 66849 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0% variance. finding resolved - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/05/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/05/2022<br>| Resolved-desk review provided with value of $XXX or 0% variance. finding resolved - Due Diligence Vendor-08/10/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66935 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0% variance , finding resolved - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/05/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/05/2022<br>| Resolved-desk review provided with value of $XXX or 0% variance , finding resolved - Due Diligence Vendor-08/10/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66938 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Purchase | NA |  |  |
| 66948 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other |  |  |
| 66954 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | GA | Investment | Purchase | NA |  |  |
| 66988 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other |  |  |
| 67010 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 67033 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/05/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/05/2022<br>| Resolved-desk review provided with value of $ XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/10/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | WA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66902 |  | D A C | Closed | FCRE1254 | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final Title Policy provided at resubmission affirming no outstanding Exceptions. - Due Diligence Vendor-08/29/2022 <br> Ready for Review-Document Uploaded. Please review the FTP, thank you. - Seller-08/26/2022 <br> Counter-To clarify- the majority of this issue revolves around the atypical language used by title insurer for this Exception to Policy. In lieu of Final Title verifying subject as the only lien, title agent may be able to provide a statement as to the nature of the filing and steps taken to ensure it will not become a hindrance to the subject lien, that would thus potentially trigger a need to re-qualify. - Due Diligence Vendor-08/23/2022 <br> Ready for Review-Per UW please reconsider status of UCC filing, which does not have an effect on Acra's lien position because the filing is not an actual lien...therefore waiting for the FPT is not necessary. Thank you. - Seller-08/22/2022 <br> Counter-Item pending Final Title Policy or confirmation from title agent that this filing was resolved at the time of settlement and will not appear on the final policy. - Due Diligence Vendor-08/19/2022 <br> Ready for Review-Please review comments from UW: <br> Acra is going to have to wait for the "FTP" to show it is just a UCC filing and not an actual DOT against the title of the property. This should not be an issue. since this filing has no bearing on Acra's lien position since it is not an actual lien.. Thank you. - Seller-08/18/2022 <br> Counter-After additional review, in this particular instance, prelim title report in file does state specifically in Item 10 of Schedule B that payment, cancellation, and satisfaction of this UCC filing is required in order to obtain clear final title policy. Please provide updated title showing this item as removed, or validate that it was properly satisfied or resubordinated. - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Please review comments from UW: The UCC statement is a commercial Note but not against title as a mortgage. Uploading the Commercial Note for review and none of the remedies for default is relinquishing title to the subject property, it merely calls for acceleration of the note if any payments are missed. UCC statements are simply notifications that the borrower has a Note in their name but not an actual security deed on title and not recorded as such. Thank you. - Seller-08/10/2022 <br> Open-Property Title Issue UCC listed on title, documentation on page 101, 16 , no subornation agreement. - Due Diligence Vendor-08/08/2022 | Ready for Review-Document Uploaded. Please review the FTP, thank you. - Seller-08/26/2022 <br> Ready for Review-Per UW please reconsider status of UCC filing, which does not have an effect on XXX lien position because the filing is not an actual lien...therefore waiting for the FPT is not necessary. Thank you. - Seller-08/22/2022 <br> Ready for Review-Please review comments from UW: <br> Acra is going to have to wait for the "FTP" to show it is just a UCC filing and not an actual DOT against the title of the property. This should not be an issue. since this filing has no bearing on XXX lien position since it is not an actual lien.. Thank you. - Seller-08/18/2022 <br> Ready for Review-Please review comments from UW: The UCC statement is a commercial Note but not against title as a mortgage. Uploading the Commercial Note for review and none of the remedies for default is relinquishing title to the subject property, it merely calls for acceleration of the note if any payments are missed. UCC statements are simply notifications that the borrower has a Note in their name but not an actual security deed on title and not recorded as such. Thank you. - Seller-08/10/2022 | Resolved-Final Title Policy provided at resubmission affirming no outstanding Exceptions. - Due Diligence Vendor-08/29/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX XXX - XXX - SIGNED FINAL LTP REV.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | GA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66902 |  | D A C | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-DESK REVIEW PROVIDED WITH VALUE OF $XXX OR 0 % VARIANCE .FINDING RESOLVED - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/08/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/08/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/08/2022<br>| Resolved-DESK REVIEW PROVIDED WITH VALUE OF $XXX OR 0 % VARIANCE .FINDING RESOLVED - Due Diligence Vendor-08/11/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | GA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66990 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 66995 |  | D A | Closed | FCRE1316 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/18/2022 <br> Resolved-Corrected VOE provided affirming ongoing employment status and length of time in current role. - Due Diligence Vendor-08/23/2022 <br> Ready for Review-Document Uploaded. Please review the corrected VOE - thank you. - Seller-08/22/2022 <br> Counter-Both pre-closing and post-closing VOEs provided indicate term of Employment as XXX years and do not list Start Date. Please provide full VOE form validating the date employment began and confirmation of continued active status. - Due Diligence Vendor-08/22/2022 <br> Ready for Review-Document Uploaded. Please review the original VOE - thank you. - Seller-08/19/2022 <br> Counter-VOE provided is dated post-closing and indicates term of Employment as 0.00 years. Please provide verification of start date and confirmation of continued active status at the time of settlement. - Due Diligence Vendor-08/19/2022 <br> Ready for Review-Document Uploaded. Please review the VOE - thank you. - Seller-08/18/2022 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/08/2022 | Ready for Review-Document Uploaded. Please review the corrected VOE - thank you. - Seller-08/22/2022 <br>Ready for Review-Document Uploaded. Please review the original VOE - thank you. - Seller-08/19/2022 <br>Ready for Review-Document Uploaded. Please review the VOE - thank you. - Seller-08/18/2022<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/18/2022 <br>Resolved-Corrected VOE provided affirming ongoing employment status and length of time in current role. - Due Diligence Vendor-08/23/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.17 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34 Years |  | XXX New CSC VOE Borrower (Primary).pdf<br> XXX VOE - verbal or FNMA 1005.pdf<br> XXX XXX VOE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66995 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-DESK REVIEW PROVIDED WITH VALUE $XXX OR 0 % VARIANCE .FINDING RESOLVED - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/08/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/08/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/08/2022<br>| Resolved-DESK REVIEW PROVIDED WITH VALUE $XXX OR 0 % VARIANCE .FINDING RESOLVED - Due Diligence Vendor-08/11/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.17 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 67034 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-DESK REVIEW PROVIDED VALUE OF $XXX OR 0 % VARIANCE .FINDING RESOLVED - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/08/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/08/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/08/2022<br>| Resolved-DESK REVIEW PROVIDED VALUE OF $XXX OR 0 % VARIANCE .FINDING RESOLVED - Due Diligence Vendor-08/11/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 66863 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | SC | Investment | Purchase | NA |  |  |
| 67055 |  | D A | Closed | FCRE1201 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Updated fraud report provided at resubmission. Fraud report does not indicate any uncleared flags. - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-08/08/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/08/2022 | Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-08/08/2022<br>| Resolved-Updated fraud report provided at resubmission. Fraud report does not indicate any uncleared flags. - Due Diligence Vendor-08/09/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX DataV Fraud Reporting.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AL | Investment | Purchase | NA | N/A | N/A |
| 67071 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | HI | Investment | Purchase | NA |  |  |
| 66877 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/11/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | IN | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66903 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/11/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | GA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 66925 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | PA | Investment | Purchase | NA |  |  |
| 66966 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance. finding resolved - Due Diligence Vendor-08/12/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance. finding resolved - Due Diligence Vendor-08/12/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AL | Investment | Purchase | NA | N/A | N/A |
| 67059 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/12/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022<br>| Resolved-desk review provided with value $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/12/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 67076 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NC | Investment | Purchase | NA |  |  |
| 67085 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 67096 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/15/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/10/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/10/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/10/2022 <br> Open- - Due Diligence Vendor-08/10/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/10/2022<br>| Resolved-desk review provided with value of $XXX or 0 % variance . finding resolved - Due Diligence Vendor-08/15/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 67095 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance. finding resolved - Due Diligence Vendor-08/15/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/10/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/10/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/10/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/10/2022<br>| Resolved-desk review provided with value of $XXX or 0 % variance. finding resolved - Due Diligence Vendor-08/15/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.50 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 67093 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/16/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/10/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/10/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/11/2022<br>| Resolved-desk review provided with value of $XXX or 0 % variance .finding resolved - Due Diligence Vendor-08/16/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 28.17% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 67028 |  | D A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or -4.7% variance . finding resolved - Due Diligence Vendor-08/16/2022 <br> Ready for Review-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/11/2022 <br> Open- - Due Diligence Vendor-08/11/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/11/2022<br>| Resolved-desk review provided with value $XXX or -4.7% variance . finding resolved - Due Diligence Vendor-08/16/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 19.53% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | UT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 66826 |  | B A | Closed | FCOM1266 | XXX | XXX | Acknowledged | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Acknowledged-Client accepts finding as non-material. Finding Acknowledged. - Due Diligence Vendor-09/12/2022 <br>Ready for Review-Finding two rating - thank you. - Seller-09/09/2022 <br>Open-Homeownership Counseling Disclosure Is Missing Copy of the Homeownership Counseling Disclosure Is Missing from the file - Due Diligence Vendor-09/09/2022 | Ready for Review-Finding two rating - thank you. - Seller-09/09/2022<br>| Acknowledged-Client accepts finding as non-material. Finding Acknowledged. - Due Diligence Vendor-09/12/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.83 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| 66827 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 66828 |  | D A C | Closed | finding-3367 | XXX | XXX | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br> Acknowledged-Clients accepts finding as NON- MATERIAL. Finding acknowledge - Due Diligence Vendor-09/13/2022 <br> Ready for Review-Material 2 finding - Seller-09/12/2022 <br> Open-\*\*\*\*\*Per approval, application date states XXX. Per the Data Entry Sheet (pg XXX and XXX) application date states XXX. Initial 1003s are not signed and dated. Application date confirmation from lender is needed. - Due Diligence Vendor-09/09/2022 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Per approval, application date states for XXX. Per in the file for Data Entry Sheet (pg XXX and XXX) application date states XXX. Lender needs to confirm application date. - Due Diligence Vendor-09/09/2022 | Ready for Review-Material 2 finding - Seller-09/12/2022<br>| Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br>Acknowledged-Clients accepts finding as NON- MATERIAL. Finding acknowledge - Due Diligence Vendor-09/13/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 66828 |  | D A C | Closed | finding-3635 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received confirmation of application date. - Due Diligence Vendor-09/27/2022 <br> Ready for Review-Please review docs from QC that actually show the app date was XXX, thank you. Apologize for the confusion. - Seller-09/27/2022 <br> Counter-Lender confirmed application date is XXX. Earliest Loan Estimate in file is dated XXX. Lender to provide Initial Loan Estimate issued within three business days of the application date. - Due Diligence Vendor-09/20/2022 <br> Ready for Review-Please review QC comments: The application date to the correspondent lender is XXX, as referenced by the application. Thank you. - Seller-09/20/2022 <br> Counter-Lender to confirm the correct application date for accurate review. - Due Diligence Vendor-09/19/2022 <br> Ready for Review-Please review QC's question for the finding: XXX - This loan is a correspondent loan. The application date indicated on the XXX Approval sheet in file indicates when the correspondent lender submitted the loan for purchase to XXX. The Initial 1003 does not need to be signed as the Borrower's Auth, which is signed, serves as a substitute. Please clarify regarding the cost increase, as I am unable to find the error here.. Thank you. - Seller-09/14/2022 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*\*\*Per approval, application date states XXX. Per the Data Entry Sheet (pg XXX and XXX) application date states XXX. Initial 1003s are not signed and dated. Application date confirmation from lender is needed. - Due Diligence Vendor-09/09/2022 | Ready for Review-Please review docs from QC that actually show the app date was XXX, thank you. Apologize for the confusion. - Seller-09/27/2022 <br> Ready for Review-Please review QC comments: The application date to the correspondent lender is XXX, as referenced by the application. Thank you. - Seller-09/20/2022 <br> Ready for Review-Please review QC's question for the finding: 9/14/22 - This loan is a correspondent loan. The application date indicated on the XXX Approval sheet in file indicates when the correspondent lender submitted the loan for purchase to XXX. The Initial 1003 does not need to be signed as the Borrower's Auth, which is signed, serves as a substitute. Please clarify regarding the cost increase, as I am unable to find the error here.. Thank you. - Seller-09/14/2022 | Resolved-Received confirmation of application date. - Due Diligence Vendor-09/27/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 66828 |  | D A C | Closed | finding-3515 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received confirmation of application date. - Due Diligence Vendor-09/27/2022 <br> Ready for Review-Please review docs from QC that actually show the app date was XXX, thank you. Apologize for the confusion. - Seller-09/27/2022 <br> Counter-Lender confirmed application date is XXX. Earliest Loan Estimate in file is dated XXX. Lender to provide Initial Loan Estimate issued within three business days of the application date. - Due Diligence Vendor-09/20/2022 <br> Ready for Review-Please review QC comments: The application date to the correspondent lender is XXX, as referenced by the application. Thank you. - Seller-09/20/2022 <br> Counter-Lender to confirm the correct application date for accurate review. - Due Diligence Vendor-09/19/2022 <br> Ready for Review-Please review QC's question for the finding: XXX - This loan is a correspondent loan. The application date indicated on the XXX Approval sheet in file indicates when the correspondent lender submitted the loan for purchase to XXX. The Initial 1003 does not need to be signed as the Borrower's Auth, which is signed, serves as a substitute. Please clarify regarding the cost increase, as I am unable to find the error here.. Thank you. - Seller-09/14/2022 <br> Open-\*\*\*\*\*Per approval, application date states XXX. Per the Data Entry Sheet (pg XXX and XXX) application date states XXX. Initial 1003s are not signed and dated. Application date confirmation from lender is needed. - Due Diligence Vendor-09/09/2022 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Per approval, application date states for XXX. Per in the file for Data Entry Sheet (pg XXX and XXX) application date states XXX. Lender needs to confirm application date. - Due Diligence Vendor-09/09/2022 | Ready for Review-Please review docs from QC that actually show the app date was XXX, thank you. Apologize for the confusion. - Seller-09/27/2022 <br> Ready for Review-Please review QC comments: The application date to the correspondent lender is XXX, as referenced by the application. Thank you. - Seller-09/20/2022 <br> Ready for Review-Please review QC's question for the finding: 9/14/22 - This loan is a correspondent loan. The application date indicated on the XXX Approval sheet in file indicates when the correspondent lender submitted the loan for purchase to XXX. The Initial 1003 does not need to be signed as the Borrower's Auth, which is signed, serves as a substitute. Please clarify regarding the cost increase, as I am unable to find the error here.. Thank you. - Seller-09/14/2022 | Resolved-Received confirmation of application date. - Due Diligence Vendor-09/27/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 66828 |  | D A C | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of $XXX or 0 % variance .finding resolved . - Due Diligence Vendor-09/22/2022 <br> Ready for Review-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/15/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-09/12/2022 <br> Open-CDA not provided and needed - Due Diligence Vendor-09/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-09/12/2022<br>| Resolved-Document Uploaded. desk review provided with value of $XXX or 0 % variance .finding resolved . - Due Diligence Vendor-09/22/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.25 Years |  | XXX_RDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |

---

## Exhibit 99.13

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.13**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 51359 |  |  | XXX A |
| 56416 |  |  | XXX A |
| 61831 |  |  | XXX A D |
| 61806 |  |  | XXX A |
| 61779 |  |  | XXX A D |
| 65087 |  |  | XXX A |
| 66865 |  |  | XXX D C A |
| 63621 |  |  | XXX A D |
| 65091 |  |  | XXX D A |
| 63639 |  |  | XXX A |
| 63726 |  |  | XXX A |
| 65097 |  |  | XXX A D |
| 65050 |  |  | XXX A D |
| 65047 |  |  | XXX A |
| 63565 |  |  | XXX A D |
| 63567 |  |  | XXX A |
| 65045 |  |  | XXX A |
| 63559 |  |  | XXX A |
| 63751 |  |  | XXX A D |
| 63764 |  |  | XXX A D |
| 65294 |  |  | XXX A B |
| 65099 |  |  | XXX A |
| 65295 |  |  | XXX A |
| 65296 |  |  | XXX A |
| 63647 |  |  | XXX A |
| 63663 |  |  | XXX D A |
| 65161 |  |  | XXX A |
| 66835 |  |  | XXX A D |
| 67092 |  |  | XXX A D |
| 67091 |  |  | XXX A D |
| 66890 |  |  | XXX A D |
| 66968 |  |  | XXX A D |
| 66970 |  |  | XXX A |
| 66996 |  |  | XXX A |
| 67020 |  |  | XXX A D |
| 66977 |  |  | XXX A B |
| 66997 |  |  | XXX A D |
| 66879 |  |  | XXX A D |
| 66830 |  |  | XXX A D B |
| 66900 |  |  | XXX A |
| 66941 |  |  | XXX A |
| 66852 |  |  | XXX A |
| 66946 |  |  | XXX A D |
| 67051 |  |  | XXX A D |
| 66843 |  |  | XXX A |
| 66893 |  |  | XXX A |
| 66904 |  |  | XXX D A |
| 66994 |  |  | XXX A |
| 67016 |  |  | XXX A D |
| 67052 |  |  | XXX A |
| 66981 |  |  | XXX A |
| 66848 |  |  | XXX A D |
| 66859 |  |  | XXX A |
| 66912 |  |  | XXX A |
| 66851 |  |  | XXX A D |
| 67061 |  |  | XXX A D |
| 67067 |  |  | XXX A |
| 67062 |  |  | XXX A |
| 66845 |  |  | XXX A B |
| 66898 |  |  | XXX A |
| 66876 |  |  | XXX A B |
| 67032 |  |  | XXX A |
| 66874 |  |  | XXX A D |
| 66991 |  |  | XXX A |
| 67049 |  |  | XXX A D |
| 66928 |  |  | XXX A C |
| 67011 |  |  | XXX A D |
| 67050 |  |  | XXX A |
| 66854 |  |  | XXX A D |
| 66917 |  |  | XXX A D |
| 66933 |  |  | XXX A |
| 66959 |  |  | XXX C A |
| 66906 |  |  | XXX A |
| 66847 |  |  | XXX A |
| 66940 |  |  | XXX A D |
| 66992 |  |  | XXX A D |
| 67003 |  |  | XXX A |
| 67007 |  |  | XXX A |
| 66836 |  |  | XXX A B D |
| 66961 |  |  | XXX A |
| 66965 |  |  | XXX A |
| 66971 |  |  | XXX C A D |
| 66973 |  |  | XXX A |
| 66989 |  |  | XXX C A D |
| 67027 |  |  | XXX A D |
| 67073 |  |  | XXX A |
| 66850 |  |  | XXX A |
| 66956 |  |  | XXX A D |
| 66957 |  |  | XXX A D |
| 67079 |  |  | XXX A |
| 67029 |  |  | XXX A |
| 67035 |  |  | XXX A |
| 66944 |  |  | XXX A D |
| 66974 |  |  | XXX A D |
| 66983 |  |  | XXX A |
| 67056 |  |  | XXX A |
| 67057 |  |  | XXX A B |
| 67069 |  |  | XXX A |
| 67070 |  |  | XXX A B |
| 67086 |  |  | XXX A D |
| 66834 |  |  | XXX A D |
| 66984 |  |  | XXX A D |
| 66916 |  |  | XXX A |
| 66937 |  |  | XXX A |
| 66831 |  |  | XXX A D |
| 67058 |  |  | XXX A |
| 67060 |  |  | XXX A D |
| 67012 |  |  | XXX A D |
| 67025 |  |  | XXX A D |
| 67044 |  |  | XXX A |
| 66838 |  |  | XXX A D |
| 67064 |  |  | XXX A |
| 67066 |  |  | XXX A D |
| 67082 |  |  | XXX A D |
| 66849 |  |  | XXX A D |
| 66935 |  |  | XXX A D |
| 66938 |  |  | XXX A |
| 66948 |  |  | XXX A |
| 66954 |  |  | XXX A |
| 66988 |  |  | XXX A |
| 67010 |  |  | XXX A |
| 67033 |  |  | XXX A D |
| 66902 |  |  | XXX C A D |
| 66990 |  |  | XXX A |
| 66995 |  |  | XXX D A |
| 67034 |  |  | XXX A D |
| 66863 |  |  | XXX A |
| 67055 |  |  | XXX D A |
| 67071 |  |  | XXX A |
| 66877 |  |  | XXX A D |
| 66903 |  |  | XXX A D |
| 66925 |  |  | XXX A |
| 66966 |  |  | XXX A D |
| 67059 |  |  | XXX A D |
| 67076 |  |  | XXX A |
| 67085 |  |  | XXX A |
| 67096 |  |  | XXX A D |
| 67095 |  |  | XXX A D |
| 67093 |  |  | XXX A D |
| 67028 |  |  | XXX A D |
| 66826 |  |  | XXX A B |
| 66827 |  |  | XXX A |
| 66828 |  |  | XXX A C D |

---

## Exhibit 99.14

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.14**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 51359 |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | .000 | XXX | 1004 URAR | XXX | XXX | -.009 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56416 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Adequate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61831 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61806 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.075 | 96 | .04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61779 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.013 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65087 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66865 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63621 |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | .048 | XXX | 1004 URAR | XXX | XXX | -.563 | 89 | 0.11 | XXX | XXX | XXX | XXX | .048 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65091 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.100 | 86 | .14 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63639 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .041 | 90 | 0.10 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63726 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .014 | 90 | 0.1 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65097 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .017 | 80 | .2 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65050 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65047 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.065 | 91 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63565 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63567 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65045 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.003 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63559 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.038 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63751 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63764 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65294 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.069 | 89 | .11 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65099 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .004 | 76 | .24 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65295 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .003 | 92 | .08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65296 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .017 | 97 | .03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63647 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.156 | 88 | .12 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63663 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.046 | 97 | .03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65161 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .019 | 95 | .05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66835 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  | XXX | XXX | -.192 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67092 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67091 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.088 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66890 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66968 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66970 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .055 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66996 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .013 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67020 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66977 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.040 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66997 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66879 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66830 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | 1004 URAR | XXX | XXX | -.195 | 92 | 0.08 | XXX | XXX | XXX | XXX | -.097 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66900 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .278 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66941 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .008 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66852 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .013 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66946 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67051 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66843 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .012 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66893 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .008 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66904 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66994 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .044 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67016 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67052 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.021 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66981 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .055 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66848 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66859 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.027 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66912 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .023 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66851 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67061 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67067 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .006 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67062 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66845 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .010 | XXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66898 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .095 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66876 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67032 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.011 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66874 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66991 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .010 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67049 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 66928 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.008 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67011 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67050 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.003 | XXX | 1004 URAR |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66854 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.036 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66917 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66933 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.079 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66959 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.011 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66906 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .041 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66847 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .455 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66940 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66992 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67003 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .014 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67007 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66836 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .004 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66961 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.024 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66965 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .051 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66971 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66973 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .123 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66989 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67027 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67073 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .069 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66850 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66956 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66957 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67079 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .021 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67029 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.014 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67035 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.010 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66944 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.025 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66974 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66983 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .064 | 93 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67056 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.009 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67057 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .005 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67069 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .102 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67070 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.005 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67086 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66834 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66984 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66916 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .121 | 91 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66937 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .022 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66831 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67058 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.062 | 98 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67060 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67012 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67025 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.051 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67044 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.009 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66838 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .079 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67064 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.078 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67066 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67082 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66849 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66935 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66938 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66948 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .120 | 92 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66954 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | 1004 URAR | XXX | XXX | .013 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66988 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.030 | 93 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67010 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.015 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67033 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66902 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66990 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .033 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66995 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67034 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66863 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 97 | 0.36 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67055 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .056 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67071 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66877 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66903 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66925 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.005 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66966 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67059 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67076 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .017 | 96 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67085 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .021 | 95 | 0.8 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67096 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67095 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67093 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67028 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.047 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66826 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .026 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66827 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.002 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66828 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.15

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 51359 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Yes | 7055 | 7.029 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired |  | No |  | No | N/A |
| 56416 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | No | No | No | No | No | No | No | No | No | 4115 | 3.545 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61831 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 61806 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | No | 7595 | 5.648% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61779 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 65087 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 12649.1 | 4.629 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66865 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | Yes | 12047.5 | 4.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 63621 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 38795 | 4.238 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 65091 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 3285 | 3.682 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 63639 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 3295 | 4.242 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 63726 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 8945 | 4.484 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 65097 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 6135 | 3.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 65050 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 65047 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 63565 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 63567 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 65045 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 6352 | 4.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 63559 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 2340 | 4.472 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 63751 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 4779 | 4.446 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 63764 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes | No | No | No | No | No | No | No | No | No | 7545 | 4.513 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 65294 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 6840 | 3.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 65099 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 6395 | 4.337 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 65295 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 3.944% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 65296 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 3.952% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 63647 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 28115 | 4.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 63663 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | Yes | 4420 | 4.56 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired |  | No |  | No | N/A |
| 65161 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Yes | 17375 | 8.416 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No | N/A |
| 66835 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0707 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 67092 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0775 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67091 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.08 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 66890 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0962 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66968 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0626 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66970 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0675 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66996 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0829 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 67020 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.086 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66977 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 11801 | 7.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66997 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | Yes | 5457.5 | 7.328 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66879 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0778 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66830 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | Yes | Yes | No | No | No |  |  | 0.0826 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66900 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0807 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 66941 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0831 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 66852 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0859 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 66946 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.085 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 67051 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0812 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 66843 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 7745 | 8.374 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 66893 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No | No | No | No | No | No | Yes | 12220 | 6.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66904 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 8607.5 | 7.325 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66994 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 8975 | 7.62 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67016 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | Yes | No | No | No | No | No | 14190 | 8.009 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Not Employed | No | No | No | N/A |
| 67052 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 14045 | 8.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Not Employed | No | No | No | N/A |
| 66981 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0876 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66848 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 5232.5 | 7.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 66859 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 5075 | 8.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66912 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 12913.75 | 9.74 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66851 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 13745 | 8.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67061 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 17795 | 9.657 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67067 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 12020 | 7.871 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67062 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0872 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66845 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 46292.75 | 6.728 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 66898 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | Yes | 16380.97 | 6.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66876 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | Yes | Yes | No | No | No |  |  | 0.081 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 67032 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.107 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 66874 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0991 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 66991 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0689 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67049 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0827 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66928 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 15127.5 | 8.212 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 67011 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | Yes | 3533 | 8.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67050 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No | No | No | No | No | No | No | 9295 | 7.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66854 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | Yes | Yes | No | No | No |  |  | 0.0786 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 66917 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0802 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66933 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes | No | No | No | No | Yes | No | No | No |  |  | 0.0707 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 66959 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes | No | No | No | No | Yes | No | No | No |  |  | 0.0818 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Retired | No | No | Yes | Present |
| 66906 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.089 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 66847 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.08 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 66940 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0726 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66992 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0718 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 67003 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0795 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 67007 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0752 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No | No | Yes | Present |
| 66836 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0766 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 66961 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0694 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 66965 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0817 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66971 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | Yes | Yes | No | No | No |  |  | 0.0674 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66973 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0825 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66989 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0742 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67027 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.1085 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 67073 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 19057.5 | 7.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66850 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0945 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66956 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0803 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66957 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0645 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67079 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0728 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67029 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No | No | No | No | No | No | No | 25895 | 8.009 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67035 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 9170 | 9.388 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66944 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0792 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66974 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes | No | No | No | No | Yes | No | No | No |  |  | 0.0738 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 66983 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0939 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 67056 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.1006 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67057 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 13791 | 7.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67069 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 14852.5 | 9.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67070 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | Yes | No | No | No | No | No | 10280 | 8.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67086 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 7720 | 8.496 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66834 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0793 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 66984 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0726 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66916 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0851 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66937 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0739 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66831 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.08 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 67058 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0876 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67060 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0887 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67012 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.1019 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 67025 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0793 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 67044 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0991 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 66838 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0774 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 67064 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.088 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 67066 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.08 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes |  | Yes | Present |
| 67082 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0873 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | Yes |  | Yes | Present |
| 66849 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes | No | No | No | No | Yes | No | No | No |  |  | 0.0928 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 66935 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0636 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66938 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0804 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 66948 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0746 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 66954 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0853 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66988 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0717 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 67010 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0736 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67033 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0816 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66902 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0732 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66990 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.084 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 66995 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0866 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Not Employed | No | No | Yes | Present |
| 67034 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0988 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 66863 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | Yes | Yes | No | No | No |  |  | 0.0855 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 67055 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0832 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67071 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.1247 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 66877 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0996 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 66903 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0734 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66925 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0839 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 66966 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0798 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67059 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0922 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 67076 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.084 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67085 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0823 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 67096 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | Yes | 40543.13 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67095 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 15565 | 8.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67093 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | Yes | 7120 | 6.605 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 67028 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 5886.62 | 8.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66826 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No | No | No | No | No | No | No | 5145 | 6.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 66827 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0867 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66828 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 17870.34 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |

---

## Exhibit 99.16

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.16**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 63621 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Tape value incorrect. Approval and uw worksheet match verified value |
| 63726 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape value incorrect. Per most recent credit report ran on XXXX primary wage earner mid score is 788 |
| 67091 | Acra Lending Flow | Loan Amount/Draw Amount | notePage | XXX | XXX | Tape value incorrect. Approval and Note confirms XXXXk |
| 66830 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | Per approval application date is XXXX |
| 66852 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | Per approval application date is XXXX |
| 66843 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | Per approval application date is XXXX<br>|
| 66994 | Acra Lending Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Per UW Worksheet DTI is 41.84% |
| 66848 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | Per approval application date is XXXX |
| 66859 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | Per approval application date is XXXX |
| 66851 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | Per approval application date is XXXX |
| 66845 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | Per approval application date is XXXX |
| 67049 | Acra Lending Flow | All Borrower Total Income | the1003Page | XXX | XXX | Tape value incorrect. DSCR Loan |
| 66847 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Loan program DSCR FN, B1 is a FN |
| 66847 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | Per approval application date is XXXX |
| 66992 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Non Permanent Resident Alien | Loan program DSCR FN, B1 is a FN |
| 67003 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Loan program DSCR FN, Borrowers are FN |
| 67073 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape value incorrect. primary wage earner mid score is 776 |
| 66850 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per approval application date is XXXX |
| 66983 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Loan program DSCR FN, Borrowers are FN |
| 67086 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape value incorrect. Per most recent credit report ran on XXXX primary wage earner mid score is 650 |
| 66831 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per approval application date is XXXX |
| 67012 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Loan program DSCR FN, Borrowers are FN |
| 67066 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Loan program DSCR FN, Borrowers are FN |
| 67082 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Loan program DSCR FN, Borrower is FN |
| 67082 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per initial 1003, borrower and LO signed on XXXX |
| 66849 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per approval application date is XXXX |
| 66948 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Loan program DSCR FN, Borrowers are FN |
| 66988 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Loan program DSCR FN, Borrowers are FN |
| 66902 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per approval application date is XXXX |
| 66990 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Loan program DSCR FN, Borrowers are FN |
| 66863 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per approval application date is XXXX |
| 66863 | Acra Lending Flow | First Interest Rate Change Date | notePage | XXX | XXX | Per Note 1st interest rate change date is XXXX |
| 67055 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape value incorrect. primary wage earner mid score is 760 |
| 66966 | Acra Lending Flow | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is a PUD as seen on the apprasial. |
| 67059 | Acra Lending Flow | Borrower 1 Citizen | the1003Page | Foreign National | Non Permanent Resident Alien | Loan program DSCR FN, Borrowers are FN |
| 67096 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per initial 1003 borrower signed on XXXX |
| 67095 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per initial 1003 borrower signed on XXXX |
| 66826 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per initial 1003 borrower signed on XXXX |
| 66827 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per initial 1003 borrower signed on XXXX |
| 66828 | Acra Lending Flow | Application Date | complianceDetailPage | XXX | XXX | per initial 1003 borrower signed on XXXX |

---

## Exhibit 99.17

**Exhibit 99.17**

![(GRAPHIC)](ex9917001.jpg)

**January 5, 2023**<br> **Due Diligence Narrative Report**<br>

![(GRAPHIC)](ex9917002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 6 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Clayton Due Diligence Results** | **7** |
| **Data Compare Results** | **10** |
| **Clayton Third Party Reports Delivered** | **11** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 1 January 5, 2023

![(GRAPHIC)](ex9917002.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![(GRAPHIC)](ex9917004.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![(GRAPHIC)](ex9917004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of MFA, Clayton conducted an independent third-party pre-securitization due diligence review of 3 residential loans.

On behalf of 5th Street Capital Inc., Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan.

On behalf of Citadel Servicing, Clayton conducted an independent third-party pre-securitization due diligence review of 274 residential loans.

MFA subsequently purchased these loans via reliance letter and selected them for the MFA 2023-NQM1 Transaction.

The loans referenced in this narrative report were reviewed on a bulk and flow loan basis from November 2019 to September 2022. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 233 | 83.81% |
| Correspondent Flow without delegated underwriting | 12 | 4.32% |
| Retail | 33 | 11.87% |
| **Total** | **278** | **100.00%** |

---

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 2 January 5, 2023

![(GRAPHIC)](ex9917002.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work** 

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Review scope  | &nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed  |
| &nbsp;&nbsp;&nbsp;Credit Review | &nbsp;&nbsp;&nbsp;278 |
| &nbsp;&nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;&nbsp;278 |
| &nbsp;&nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;&nbsp;273 |
| &nbsp;&nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;&nbsp;278 |

---

Loan Grading

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Morningstar, Kroll and DBRS.

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MFA 2023-NQM1 Due Diligence Narrative Report Page \| 3 January 5, 2023

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TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in the loan documentation provided to Clayton.

Credit Review

Clayton's Credit scope of review conducted on 278 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these
against the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine that funds to close and reserves were within origination
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Evaluated for evidence of borrower's willingness and ability to repay the obligation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed for condo warranty documentation, as applicable;

Property Valuation Review

Clayton's Property Valuation scope of review conducted included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (278 loans)

– Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

– For more detail on the original appraisal review, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (278 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

● AVM

● BPO

● Desk Review

● Field Review

For further detail please refer to the MFA 2023-NQM1 Valuations Summary Report

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 4 January 5, 2023

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Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for state-specific consumer protection laws including late charge and prepayment penalty
provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Truth-in-lending/regulation Z (TILA) testing included the following:

– Notice of Right to Cancel (Right of Rescission) adherence if applicable;

– TIL Disclosure Timing (3/7/3) and disclosure content;

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

– Section 32 APR and Points and Fees Thresholds and prohibited practices;

– Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

– Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

– Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than 'Covered
Loans' and loans with an Application Date prior to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 5 January 5, 2023

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Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by MFA.

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

<u>State and Federal High Cost and Higher-Priced:</u>

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for high cost.

<u>Anti-predatory lending laws</u>

● Minnesota §58 on or after 8/1/2008

● Virginia Lender and Broker Act after 6/1/2008

Prepayment Penalties and Late Charges in certain states

Taxpayer First Act: Consent to share IRS-provided tax information sent by the IRS on or after 12/28/2019.

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 278 reviewed loans, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from seller/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies found during comparison are stored;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each discrepancy is reported in a Loan Level Tape Compare Upload.

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 6 January 5, 2023

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Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4.3 data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Clayton Due Diligence Results** 

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**<u>Initial and Final Overall Loan Grade Results</u>** **<u> </u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 115 |  | 9 | 91 | **215** |
| **Final** | **B** |  | 34 | 3 | 25 | **62** |
| **Final** | **C** |  |  |  | 1 | **1** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **115** | **34** | **12** | **117** | **278** |

---

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**<u>Initial and Final Credit Component Grade Results</u>** **<u> </u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 204 |  | 8 | 13 | **225** |
| **Final** | **B** |  | 47 | 2 | 4 | **53** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **204** | **47** | **10** | **17** | **278** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 167 |  | 7 | 99 | **273** |
| **Final** | **B** |  | 2 |  | 2 | **4** |
| **Final** | **C** |  |  |  | 1 | **1** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **167** | **2** | **7** | **102** | **278** |

---

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 7 January 5, 2023

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**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 261 |  | 1 | 3 | **265** |
| **Final** | **B** |  | 5 | 1 | 2 | **8** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **261** | **5** | **2** | **5** | **273\*** |

---

*\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (5 loans in pool)*

**<u>Initial and Final Overall Loan Grade Results (S&P)</u>** **<u> </u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration (S&P)** | **Overall Grade Migration (S&P)** | **Overall Grade Migration (S&P)** | **Overall Grade Migration (S&P)** | **Overall Grade Migration (S&P)** | **Overall Grade Migration (S&P)** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 115 |  | 5 | 70 | **190** |
| **Final** | **B** |  | 34 | 7 | 46 | **87** |
| **Final** | **C** |  |  |  | 1 | **1** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **115** | **34** | **12** | **117** | **278** |

---

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**<u>Initial and Final Credit Component Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration (S&P)** | **Credit Grade Migration (S&P)** | **Credit Grade Migration (S&P)** | **Credit Grade Migration (S&P)** | **Credit Grade Migration (S&P)** | **Credit Grade Migration (S&P)** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 204 |  | 8 | 13 | **225** |
| **Final** | **B** |  | 47 | 2 | 4 | **53** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **204** | **47** | **10** | **17** | **278** |

---

**<u>Initial and Final Property Valuation Grade Results (S&P</u>)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration (S&P)** | **Property Valuation Grade Migration (S&P)** | **Property Valuation Grade Migration (S&P)** | **Property Valuation Grade Migration (S&P)** | **Property Valuation Grade Migration (S&P)** | **Property Valuation Grade Migration (S&P)** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 167 |  |  | 75 | **242** |
| **Final** | **B** |  | 2 | 7 | 26 | **35** |
| **Final** | **C** |  |  |  | 1 | **1** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **167** | **2** | **7** | **102** | **278** |

---

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 8 January 5, 2023

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**<u>Initial and Final Regulatory Compliance Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration (S&P)** | **Compliance Grade Migration (S&P)** | **Compliance Grade Migration (S&P)** | **Compliance Grade Migration (S&P)** | **Compliance Grade Migration (S&P)** | **Compliance Grade Migration (S&P)** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 261 |  | 1 | 3 | **265** |
| **Final** | **B** |  | 5 | 1 | 2 | **8** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **261** | **5** | **2** | **5** | **273\*** |

---

*\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (5 loans in pool)*

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 9 January 5, 2023

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**data Compare Results** 

Clayton provided MFA with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 278 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.92% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.64% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;97.84% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;21 | &nbsp;&nbsp;92.45% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.28% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.92% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.28% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;22 | &nbsp;&nbsp;92.09% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;61 | &nbsp;&nbsp;78.06% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;97.48% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;9 | &nbsp;&nbsp;96.76% |
| &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.28% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.20% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;97.12% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.56% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.92% |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.64% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.28% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.64% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;90.29% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.64% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;9 | &nbsp;&nbsp;96.76% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.64% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;50 | &nbsp;&nbsp;82.01% |

---

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 10 January 5, 2023

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**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

**Appendix A: Credit Review Scope** 

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements
including:

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

○ Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

○ Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

○ Uniform Residential Loan Application reviewed to determine:

– Initial loan application was in the loan file and was signed by all borrowers

– Final loan application was in the loan file and was complete

– Information and debts disclosed on loan application aligned with related documentation in the loan file

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

– Verbal and/or written verifications of employments (VVOE, VOE)

– CPA letter

– Business licenses

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– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

– Required income documentation for all borrowers was present and within required time period

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared IRS tax transcripts to income documentation and noted any inconsistencies

– Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

○ Asset review included:

– Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

– Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

– Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

– Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold estate

– Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

– Applicable title endorsements were present

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– Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

– Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

– Funds to close identified and analyzed against borrower's assets

– Seller contributions did not exceed maximum allowed

– Subject property, seller and borrower aligned with other loan documentation

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

– Verified presence of required hazard insurance and flood insurance (if required)

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

– Reviewed for evidence that any required insurance policy premium was paid

– Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the
mortgage or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified
copy" by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence
for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in
the loan file to identify and address any potential misrepresentations including:

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

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**Appendix B: Origination Appraisal Assessment** 

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following
criteria:

○ Appraisal report used standard GSE forms, appropriate to the property type:

– FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

– FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

– FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

– FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

– FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

– FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

○ Appraisal report was reasonably complete and included:

– Appraisal report form, certification, statement of limiting conditions and scope of work

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

– Accurate identification of the property type, in both land and improvements

– All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred
maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

– Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

– Appraisal date met supplied Sponsor Acquisition Criteria

– If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA
and USPAP based on the following criteria:

○ Title XI of FIRREA:

– Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

– Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

○ USPAP

– Confirmed that the appraiser's certification is present and executed within the original appraisal.

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C. Reviewed and graded the appraisal valuation to the following criteria:

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

– Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

– Comps used were reasonably recent in transaction date and if not the reason was furnished

– Comps used were reasonably similar to the subject property and if not an explanation was supplied

– Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

○ Property was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

○ Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

– Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

– Property usage was reviewed for zoning compliance

– Property utilization was reviewed to determine it was "highest and best use"

– Neighborhood values were reviewed to determine if declining

– Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

– Physical condition of the property was reviewed to determine that the property condition was average or better

– Style of property was reviewed to determine if unique property

– Any health and safety issues were noted and/or remediated

– Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property
met the client supplied eligibility requirements. Examples of ineligible property types may include:

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any
FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster
declaration.

○ If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

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F. Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

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

○ Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

○ Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

**Appendix C: Regulatory Compliance Review Scope** 

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

○ GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory on January 1, 2010

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation within the loan file

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

○ Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.

○ Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower

○ Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

○ TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

○ Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)

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○ ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file

○ Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

○ Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

○ Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

○ ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

○ TILA/RESPA Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br>(High Rate, High Point law)  |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br>Cleveland Heights ordinance  |  |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| **Consumer Protection** | **Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |

---

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---

| | |
|:---|:---|
| **Consumer Protection** | **Consumer Protection** |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2023 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

MFA 2023-NQM1 Due Diligence Narrative Report Page \| 21 January 5, 2023

## Exhibit 99.18

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.18**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM1** |
| **Start - End Dates:** | **11/27/2019 - 9/9/2022** |
| **Deal Loan Count:** | **278** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *278* |
| ***Loans with Conditions:*** | *169* |

---

---

| |
|:---|
| **68 - Total Active Conditions** |
| **1 - Material Conditions** |
| 1 - Property Valuations Review Scope |
| 1 - Category: Value |
| **67 - Non-Material Conditions** |
| 58 - Credit Review Scope |
| 5 - Category: Application |
| 7 - Category: Assets |
| 26 - Category: Credit/Mtg History |
| 1 - Category: DTI |
| 3 - Category: Income/Employment |
| 6 - Category: Insurance |
| 4 - Category: LTV/CLTV |
| 6 - Category: Terms/Guidelines |
| 4 - Property Valuations Review Scope |
| 2 - Category: Appraisal |
| 1 - Category: FEMA |
| 1 - Category: Property |
| 5 - Compliance Review Scope |
| 1 - Category: Documentation |
| 2 - Category: Repayment Ability |
| 1 - Category: RESPA |
| 1 - Category: State Prepayment Penalty |
| **202 - Total Satisfied Conditions** |
| 28 - Credit Review Scope |
| 8 - Category: Application |
| 2 - Category: Assets |
| 1 - Category: DTI |
| 4 - Category: Income/Employment |
| 6 - Category: Insurance |
| 3 - Category: Legal Documents |
| 4 - Category: Terms/Guidelines |
| 158 - Property Valuations Review Scope |
| 126 - Category: Appraisal |
| 1 - Category: FEMA |
| 31 - Category: Value |
| 16 - Compliance Review Scope |
| 2 - Category: Compliance Manual |
| 1 - Category: Documentation |
| 3 - Category: Right of Rescission |
| 10 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.19

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.19**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM1** |
| **Start - End Dates:** | **11/27/2019 - 9/9/2022** |
| **Deal Loan Count:** | **278** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *278* |
| ***Loans with Conditions:*** | *169* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 10001322 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 qualifying score. Min required per guidelines is 750<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years in current profession |
| 10001322 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 qualifying score. Min required per guidelines is 750<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years in current profession |
| 1201081 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been at current position for 6.17 years and in same profession for 17 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 40 months with a 0x30 reporting for subject mortgage.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60.67%; guidelines maximum 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 775; guidelines minimum Credit Score for Credit Grade AAA of 750. |
| 237000010 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insurance coverage for the 7 properties in the amount of $XXX is not adequate coverage for loan amount of $XXX The credit file is missing reconstruction costs for property located at XXX | 07/18/2022 lender response: RCE Verification uploaded reflecting insurance confirmation of coverage up to full loan amount for this unit07/18/2022 Clayton response: Insurance agents email stated I think this one was written for the full loan amount, so I did not need to submit an RCE. The individual hazard insurance policy was not written for the full loan amount of XXX. Please provide RCE for the property address of XXX. Exception remains.09/28/2022 lender provided RCE09/28/2022 Clayton response: RCE dated 05/27/2022 with Reconstruction Cost $XXX. EOI in the credit file indicates coverage amount of $XXX Coverage is insufficient. Exception remains.10/05/2022 lender response: per policy, stating '' Special From Coverage replacement cost value'' policy indicates it's coverage is up to replacement Cost Coverage and sufficient | 10/05/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $602,399.81/39.58 months reserves |
| 237000010 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Six AVMs are pending. Clayton order on behalf of Client. | 7.06.22 AVM received. | 7.06.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $602,399.81/39.58 months reserves |
| 237000010 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 68. AVM FSD of 32, exceeded max of 10. Clayton order Desk Review on behalf of Client | 7.14.2022- Desk review provided supporting appraisal value. | 7.1.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $602,399.81/39.58 months reserves |
| 237000010 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Property Value Not Supported. Clayton order Desk Review on behalf of Client. | 7.14.2022- Desk review provided supporting appraisal value. | 7.14.2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $602,399.81/39.58 months reserves |
| 3001040 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines require 3 open tradelines; Borrower has 1 open tradeline | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is 20% below maximum LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 792 exceeds minimum credit score of 750, 42 points. |
| 3001040 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4643 | Borrower does not meet guideline requirements | No | Per Guidelines, lender requires at least one Guarantor to have prior multifamily property experience with at least 10 units owned or extensive experience with Single Family Residential Fix-and-Flip transactions in the past 36 months.Per Guidelines, Guarantors must provide a Personal Financial Statement showing a total net worth equal to 50% of the requested loan amount. | 05/06/2022 lender response: Uploading missing financial statement. Loan was submitted and approved (2/3) prior to the official Guidelines Publishing (2/9) so it did not follow any requirements for landlord seasoning. | 05/06/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is 20% below maximum LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 792 exceeds minimum credit score of 750, 42 points. |
| 3001040 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 06/15/2022 lender provided Desk Review06/15/2022 Desk Review provided supporting appraisal value | 06/15/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is 20% below maximum LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 792 exceeds minimum credit score of 750, 42 points. |
| 3001059 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER4643 | Borrower does not meet guideline requirements | No | Guidelines require Borrowers to be Entities only. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 92 months mortgage history with no late pays.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower 1 has owned present residence for 20 years. Borrower 2 has owned present residence for 40 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Cash to close $XXXreserves $XXX/68.04 months reserves. 24 months reserves required. |
| 3001083 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 88. AVM FSD of 12, exceeded max of 10. A Desk Review is required. | 08/16/2022 lender advised Desk Review uploaded.08/16/2022 Clayton response: Desk Review was not received. Please upload again. Exception remains.08/18/2022 Desk Review provided supporting appraisal value. | 08/18/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 74.42 months PITIA, guidelines required 0 months PITIA. |
| 3001083 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | (Collateral Analytics) discloses -36.63% variance with a value of XXX and the OA value is $XXX. A Desk Review is required. | 08/16/2022 lender advised Desk Review uploaded.08/16/2022 Clayton response: Desk Review was not received. Please upload again. Exception remains08/18/2022 Desk Review provided supporting appraisal value. | 08/18/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 74.42 months PITIA, guidelines required 0 months PITIA. |
| 4461238802 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 700 is 20 points above the minimum required score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:XXX in total assets documented. Effective amount is XXX, with liquid assets of XXX. Post close reserves are XXX. Reserves required XXX = XXX + XXX XXX = XXX. Excess post-closing reserves XXX |
| 4461238802 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller Cd, but not in section H of Borrower final CD. As fees are at least shown, this is not a material issue. This exception is informational per Clayton Compliance Department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 700 is 20 points above the minimum required score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:XXX in total assets documented. Effective amount is XXX, with liquid assets of XXX. Post close reserves are XXX. Reserves required XXX = XXX + XXX XXX = XXX. Excess post-closing reserves XXX |
| 4461238802 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Broker Intent to Proceed dated XXX - LE dated XXX | 9.23.20 - Client responded. For the XXX file,XXX ,The brokers ITP was provided as evidence that the appraisal was not ordered/received prior to the initial ITP. The broker did not submit the file to XXX until 8/14 appx 5pm pst, per the history attached, which is the reason our ITP and LE are dated XXX. | 9.23.20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 700 is 20 points above the minimum required score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:XXX in total assets documented. Effective amount is XXX, with liquid assets of XXX. Post close reserves are XXX. Reserves required XXX = XXX + XXX XXX = XXX. Excess post-closing reserves XXX |
| 4461238802 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Approved Lender exception to allow for income calculation based on previous years data/average.Clayton deems non-material due to the following compensating factors: Low LTV at 53.488%, Down payment greater than 5% over program requirement, Number of years on job/profession, 12+ months reserves, over 24 years in current home with an excellent mortgage history 0 x 30 for 12+ months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 700 is 20 points above the minimum required score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:XXX in total assets documented. Effective amount is XXX, with liquid assets of XXX. Post close reserves are XXX. Reserves required XXX = XXX + XXX XXX = XXX. Excess post-closing reserves XXX |
| 5002758 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.63% LTV, max 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years 10 months ownership at primary residence currently occupied.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no major mortgage occurrences on any mortgages over the last two years. |
| 5002992 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 166.06 mo. PITI, reserves not required due to 70% LTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 12 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 709 qualifying score. Min required per guidelines is 700. |
| 5002999 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Insurance | Satisfied C A | CRDINSR822 | Insurance Effective date is greater than the transaction date | No | Per guidelines, for refinance transaction, current policy must have a remaining term of at least 6 months. Loan closed XXX. Flood insurance and Home Owners Insurance expiration date is XXX. | 2.7.2022- Lender provided HUD where they collected 13 months of flood. | 2.7.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 exceeds the minimum credit score of 700, 18 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 26 months mortgage history with no late pays. |
| 5002999 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 81. AVM FSD of 19, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 01/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 exceeds the minimum credit score of 700, 18 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 26 months mortgage history with no late pays. |
| 5003000 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per matrix, maximum LTV for DSCR 1.0, A credit, is 75%. Additionally, for non warr condo refi, deduct 10% from maximum LTV. LTV of 70% exceeds the maximum calculated LTV of 65%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX/ 84.17 months reserves. No reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 26 months mortgage history with no late pays.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 exceeds minimum credit score of 700, 18 points. |
| 5003000 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 01/14/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX/ 84.17 months reserves. No reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 26 months mortgage history with no late pays.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 exceeds minimum credit score of 700, 18 points. |
| 5003001 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Insurance | Active B | CRDINSR820 | Flood Effective date is greater than the transaction date | No | Per guidelines, for refinance transaction, current policy must have a remaining term of at least 6 months. Loan closed XXX. Flood insurance expiration date is XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 16 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets XXX/92.38 months reserves. 12 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying score. Min required per guidelines is700. |
| 5003001 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per matrix, maximum LTV for negative cashflow is 70%. Additionally, for Non-warrantable condo, for Refi -10%, therefore the LTV of 69.26% exceeds maximum LTV of 60%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 16 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets XXX/92.38 months reserves. 12 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying score. Min required per guidelines is700. |
| 5003001 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 87. AVM FSD of 13, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 01/14/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 01/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 16 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets XXX/92.38 months reserves. 12 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying score. Min required per guidelines is700. |
| 5003002 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves (cash out) XXX or 8.01 mo. PITI, reserves not required due to 70% LTV |
| 5003012 | XXXXXX | CO | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has No current "open/active" tradelines all trades open are Authorized User. GL require 3 open/active reporting for 24 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 73.91 months PITI, guidelines required 12 mo. negative cash or XXX |
| 5003012 | XXXXXX | CO | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. Clayton ordered on behalf of client. | 1/4/22 AVM received | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 73.91 months PITI, guidelines required 12 mo. negative cash or XXX |
| 5003012 | XXXXXX | CO | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 81. AVM FSD of 19, exceeded max of 10. Clayton ordered Desk Review on behalf of client. | 01/14/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 01/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 73.91 months PITI, guidelines required 12 mo. negative cash or XXX |
| 5003012 | XXXXXX | CO | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -14.20% with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton ordered on behalf of client. | 01/14/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/14/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 73.91 months PITI, guidelines required 12 mo. negative cash or XXX |
| 5003080 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Active B | CRDLTV107 | LTV Exception 5% or Less | No | LTV 75% exceeds FTHB 70% LTV max | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score. Min required per guidelines is 750. |
| 5003080 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | All the Appraisal on file has been cut off at the bottoms; Lender to provided appraisal with complete pages and photos. | 1.05.2022- Lender provided full appraisal with no pages cut off | 1.05.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score. Min required per guidelines is 750. |
| 5003156 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets including cash out contribution XXX or 28.68 months PITI. Require reserves XXX x 12 months = XXX |
| 5003228 | XXXXXX | NH | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | 69.630% LTV exceeds max is 65% for refi on a "rural" property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 34 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 13 months PITIA, guidelines required 0 months PITIA. |
| 5003234 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5291 | Most Recent AVM Name not from approved vendor | No | AVM from I-Val is not an approved vendor. | 03/23/2022 Client advised to order valuation report. Clayton ordered AVM on behalf of client.03/24/2022- AVM received from Collateral Analytics supporting appraisal value. | 3/24/2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 690 exceeds minimum credit score of 675, 15 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 61 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX /22.43 months reserves. 12 months reserves required. |
| 5003238 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been XXX with XXX for 36 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.07%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 65.97 months PITIA, guidelines required 12 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750. |
| 5003252 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 5.17.22- Lender provided desk review supporting value | 5.17.22- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 29 months when 12 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 12 months PITIA, guidelines required 0 months PITIA. |
| 5003257 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/16/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/16/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required. |
| 5003283 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing or incomplete documentation related to citizenship/residency. Loan Application indicates Non-Permanent Resident Alien. Missing borrowers passport from home country. | 03/21/2022 lender provided Work Authorization Card | 03/21/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 qualifying score. Min required per guidelines is725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 11.05 months PITIA, guidelines required 6 months PITIA. |
| 5003317 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 90. AVM FSD of 10, exceeded max of 8. Clayton ordered Desk Review on behalf of Client. | 03/21/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/21/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at same residence for 11 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.33% is 16.67% below maximum LTV of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets XXX/57.61 Months reserves. No reserves required. |
| 5003318 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.14%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 77.29%; max allowed per guidelines is 85%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 131 months when 24 months are |
| 5003328 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 79. AVM FSD of 21, exceeded max of 08. Clayton order Desk Review on behalf of Client. | 04/29/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/29/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.03%; max allowed per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 26 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 qualifying score. Min required per guidelines is 750. |
| 5003334 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the XXXX industry for 23 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years and 5 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 43.48%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 5.71 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 qualifying score. Min required per guidelines is 675. |
| 5003379 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 28 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 55 months PITIA, guidelines required 0 months PITIA. |
| 5003479 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Per Loan Approval, application date is XXX, the initial LE was not issued until 04/14/2022. Greater than the required 3 days. | 8/1/2022: Lender provided LE 4/8/2022. | 8/1/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 29 years and 3 months in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 613 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 21.32% |
| 5003488 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Insurance | Active B | CRDINSR822 | Insurance Effective date is greater than the transaction date | No | Per guidelines, refinance transaction, current policy must have a remaining term of at least six (6) months. Loan closed XXX. Insurance ending date is 10/06/2022. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 19 years and 5 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.99%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 qualifying score. Min required per guidelines is 675.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.11%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $55,628.92 or 27.41 months PITIA, guidelines required 0 months PITIA. |
| 5003523 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.70 DTI below guideline requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75 LTV below guideline requirements 80.0%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years 8 months ownership of primary residence |
| 5003537 | XXXXXX | PA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER113 | Loan amount is below guideline minimum | No | Guidelines minimum Loan Amount is $100,000. Subject Loan Amount is $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years 4 months years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines do not require Reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 qualifying score. Min required per guidelines is 700. |
| 5003602 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 08/09/2022 AVM received. | 08/09/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 27 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX orXXX months PITIA, guidelines required 0 months PITIA. |
| 5003602 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated 08/05/2022 with an estimated value of $XXX, and confidence score of 78. AVM FSD of 22, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 08/10/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/10/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 27 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX orXXX months PITIA, guidelines required 0 months PITIA. |
| 5003637 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $208898.50 or XXX months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 10.92%, max per guidelines is 50%. |
| 5003641 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD for 200 notary but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 2 years 7 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 32.80% |
| 5003641 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified at $113,631.33 less cash from borrower $95,442.47 equals $18,188.86 or 3.18 months PITIA. Required Reserves of 6 months PITIA. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 2 years 7 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 32.80% |
| 5003654 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.78%, max per guidelines is 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 qualifying score. Min required per guidelines is 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 108 months 24 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $226,931.26 or 122.73 guidelines required 6 months PITIA. |
| 5003655 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified cash reserves $XXX or 2.85 guidelines required 6 months PITIA. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 qualifying score. Min required per guidelines is 725.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 111 months when 24 months are required. |
| 5003663 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Appraisal | Active B | PRVAAPPR119 | Appraisal documentation does not support occupancy | No | Per appraisal dated XXXX subject property is vacant, borrowers purchased XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.69%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.74%; max allowed per guidelines is 80%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 180 months when 24 months are required. |
| 5003669 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 96 months when 24 months are required. |
| 5003704 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score. Min required per guidelines is 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 85 months when 24 months are required. |
| 7009059 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report. | 8/25 Client provided a fraud guard report; However the watch list is missing the appraiser; provide a watch list including all participants in the loan.08/28/2020 Client provided XXX Report, dated 08/25/2020, with appraiser included. | 08/28/2020 Exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: B1 Credit Score 768; guidelines allow a minimum Credit Score 725.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: B1 LTV 70%; guidelines allow a maximum LTV 80%. |
| 7009059 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Declaration: XXXEffective: XXXPublic Severe Winter Storm, Flooding, Landslides, and Mudslides XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: B1 Credit Score 768; guidelines allow a minimum Credit Score 725.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: B1 LTV 70%; guidelines allow a maximum LTV 80%. |
| 7017072 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing desk review supporting the appraised value of $XXX. | 11.06.19 Desk Review received value supported. | 11.06.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX or XXX months PITIA. |
| 7035196 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Active D B | PRVAAPPR237 | Appraisal is stale dated without recertification in file | No | Appraisal is greater than 120 days between date of appraisal and date of Note, and guidelines require recertification of value. Appraisal is dated XXX and Note is dated XXX. Recertification of Value is required. | 01/11/2022 lender response: Appraisal expiration date had been acknowledged by Credit Mgmt. and exception given by XXXX under UW comment in UW worksheet already in file | 01/11/2022 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for LTV and Credit Score. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 qualifying score. Min required per guidelines is 725.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.00%; max allowed per guidelines is 75%. |
| 7035196 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraisal Form 1073 in credit file is cut off at the bottom of each page and unable to read date of appraisal and valuation. Date of appraisal to be compared to Note date of XXX, to determine if Recertification of Value is required. | 01/10/2022 Lender provided complete appraisal. Appraisal is greater than 120 days between date of appraisal and date of Note, and guidelines require recertification of value. Appraisal is dated XXX and Note is dated XXX. Recertification of Value is required. PRVAAPPR is satisfied. New Exception was active to require recertification of value | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 qualifying score. Min required per guidelines is 725.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.00%; max allowed per guidelines is 75%. |
| 7035900 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insufficient Hazard Insurance Coverage of XXX, with Loan Amount of XXX. | 1.7.2022- Lender provded HOI policy reflecting extending converge of 150%. Dwelling policy is sufficient. | 1.7.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $0 plus cash to borrower XXX equals XXX or 86.66 months PITIA. Negative Rents XXX x 12 months equals XXX reserves required due to 71.82% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 qualifying score. Min required per guidelines is 750. |
| 7035900 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 75. AVM FSD of 25, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 1.12.2022- VRA Desk Review received from XXX supporting appraisal value. | 1.12.2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $0 plus cash to borrower XXX equals XXX or 86.66 months PITIA. Negative Rents XXX x 12 months equals XXX reserves required due to 71.82% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 qualifying score. Min required per guidelines is 750. |
| 7036046 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C B | B | B C A | B | B | Compliance | Documentation | Active B | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | HUD reflect XXX Escrow Holdback, signed Withhold Agreement in file pg. 469 for Roof Repairs XXX and 441 with photos. Lender to provide evidence Escrow Holdback has been released and 442 with photos. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 42.91 months PITIA. Reserves no required due to 65% LTV |
| 7036046 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C B | B | B C A | B | B | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | (CA) discloses -13.4884% variance with a value of XXX and the OA value is XXX. A desk review is required. Clayton ordered on behalf of client | 01/18/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/18/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 42.91 months PITIA. Reserves no required due to 65% LTV |
| 7036087 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years and 4 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 15.82 months PITIA, guidelines required 12 months PITIA. |
| 7036143 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 86. AVM FSD of 13.9, exceeded max of 13. Clayton order Desk Review on behalf of Client. | 1.6.2022- XXXX CDA support appraisal value. | 1.6.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 167.32 months PITIA, guidelines required 12 months PITIA. |
| 7036200 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton ordered on behalf of Client. | 1.10.2022- VRA Desk Review received from Service 1st supporting appraisal value. | 1.10.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV: 70% File LTV: 60%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 3 months at current residence. |
| 7036242 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 7.26 mo. PITIA, reserves not required due to 75% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years and 1 month. |
| 7036365 | XXXXXX | VA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH122 | Foreclosure history does not meet guidelines | No | DataVerify indicates F/C Date: XXX, and is less that 3 years seasoning for Credit Grade AAA. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX equals XXX months PITIA. 12-months reserve for negative cashflow (XXX) x 12 months equals XXX reserves required. |
| 7036365 | XXXXXX | VA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Per lender UW comments: Borrower also has 3 other loans that werepreviously funded by XXX, Exception for this 5th Loan to same borrower in DV from XXX\*\*XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX equals XXX months PITIA. 12-months reserve for negative cashflow (XXX) x 12 months equals XXX reserves required. |
| 7036365 | XXXXXX | VA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | (XXX) discloses -12.0833% variance with a value of XXX, and the OA value is XXX. A desk review is required. Clayton ordered Desk Review | 1.08.2022- VRA Desk Review received from Service 1st supporting appraisal value. | 1.08.2022- Exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX equals XXX months PITIA. 12-months reserve for negative cashflow (XXX) x 12 months equals XXX reserves required. |
| 7036368 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. Clayton ordered on behalf of client. | 12/31/2021 VRA Desk Review received from Service 1st supporting appraisal value. | 12/31/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 & B2 have 6 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX, reserves not required due to 70% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70%, Max 75% |
| 7036441 | XXXXXX | OK | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH148 | Credit report stale dated at closing | No | Per guidelines, credit report, dated XXX, is greater than 90 days of the date the documents are signed by borrower, on XXX. Credit report stale dated 91 days at closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 768 exceeds the minimum credit score of 750, 18 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is 10% below maximum LTV of 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 36 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets XXX. Cash to close XXX. Post-closing cash reserves XXX/99.09 months reserves. No reserves required. |
| 7036441 | XXXXXX | OK | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. Clayton ordered on behalf of client. | 01/14/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 01/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 768 exceeds the minimum credit score of 750, 18 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is 10% below maximum LTV of 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 36 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets XXX. Cash to close XXX. Post-closing cash reserves XXX/99.09 months reserves. No reserves required. |
| 7036523 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.81% is lower than the Program Guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at the current residence. |
| 7036556 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR171 | Subject Photos Unacceptable | No | All pages of appraisal are cut off at the bottom, and photos are no complete, Lender to provide copy of appraisal with all pages and photos complete. | 1.05.2022- Lender provided appraisal which is not for the subject property. Appraisal report address is for property located at XXX and B. Subject property is XXX. Exception remains.1.06.2022 - Lender provided appraisal report. | 1.06.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves at XXX plus cash to borrower XXX equals XXX or 309.56 months PITIA. No reserves required. Due to DSCR 1.0471 and LTV OF 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 747, min 725 |
| 7036556 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Submit full completed appraisal. | 1.05.2022- Lender provided appraisal which is not for the subject property. Appraisal report address is for property located at XXX and B. Subject property is XXX.1.06.2022 - Lender provided appraisal report. | 1.06.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves at XXX plus cash to borrower XXX equals XXX or 309.56 months PITIA. No reserves required. Due to DSCR 1.0471 and LTV OF 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 747, min 725 |
| 7036556 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos Unacceptable | No | Pages of appraisal are cut off at the bottom, lender to provide appraisal with all pages complete | 1.05.2022- Lender provided appraisal which is not for the subject property. Appraisal report address is for property located at XXX and B. Subject property is XXX. Exception remains.1.06.2022 - Lender provided appraisal report. | 1.06.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves at XXX plus cash to borrower XXX equals XXX or 309.56 months PITIA. No reserves required. Due to DSCR 1.0471 and LTV OF 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 747, min 725 |
| 7036556 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Appraisal in file all pages are cut off on the bottom, missing appraisal date. Lender to provide appraisal with all pages complete. | 1.06.2022 - Lender provided appraisal report. | 1.06.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves at XXX plus cash to borrower XXX equals XXX or 309.56 months PITIA. No reserves required. Due to DSCR 1.0471 and LTV OF 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 747, min 725 |
| 7036594 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD:AVM dated XXX with an estimated value of XXX, and confidence score of 90. AVM FSD of 10, exceeded max of 8. Clayton ordered Desk Review on behalf of Client. | 02/02/2022- VRA Desk Review received from XXX supporting appraisal value. | 02/02/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%. rural (80).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 47 months when 24 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 13 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 qualifying score. Min required per guidelines is 725. |
| 7036595 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Insurance | Active B | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | Per the revised flood insurance policy declarations, the policy term effective date XXXor 6 days after the The note date XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 66.21 months PITIA, 12 mo. Neg. Cash Flow reserves required or XXX |
| 7036633 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX and confidence score of 91. AVM FSD of 9, exceeded max of 8.Desk review required. Clayton ordered on behalf of client. | 1.10.2022- CDA Desk Review received from XXXX supporting appraisal value. | 1.10.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX plus cash to borrower XXX equals XXX or 17.80 months PITIA. No reserves required due to LTV OF 54.290%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 723, min 700 |
| 7036649 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.43% qualifying score. Min required per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 qualifying score. Min required per guidelines is 725.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 37 months when 24 months are required. |
| 7036651 | XXXXXX | CO | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 85. AVM FSD of 15, exceeded max of 10. a DESK REVIEW required. | 1.09.2022- 1.09.2022- VRA Desk Review received from Service 1st supporting appraisal value. | 1.09.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 47.52%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 14 months PITIA, guidelines required 0 months PITIA. |
| 7036700 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, a minimum credit depth of 3 acceptable tradelines is required. the borrower has 1 open tradeline | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.54%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 75.88 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 qualifying score. Min required per guidelines is 600. |
| 7036700 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated 12/22/2021 with an estimated value of XXX, and confidence score of 85. AVM FSD of 15, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 12/31/2021 VRA Desk Review received from Service 1st supporting appraisal value. | 12/31/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.54%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 75.88 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 qualifying score. Min required per guidelines is 600. |
| 7036700 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | (XXX) discloses -40.54% variance with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton order on behalf of client | 12/31/2021 VRA Desk Review received from XXX supporting appraisal value. | 12/31/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.54%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 75.88 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 qualifying score. Min required per guidelines is 600. |
| 7036736 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 12/31/2021 CDA Desk Review received from XXXX supporting appraisal value. | 12/31/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years. |
| 7036766 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60.140%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 3 months PITIA, guidelines required 0 months PITIA. |
| 7036772 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.25%, Max 50.00%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 7 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 7.38 mo. PITI, reserves not required due to 75% LTV. |
| 7036781 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | XXXX discloses -18.8146% variance with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton ordered on behalf of client. | 02/04/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 02/04/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 25 years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has Assets of XXX with reserves of XXX, 8.91 months PITIA. Reserves are not required. |
| 7036795 | XXXXXX | NV | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Insurance | Active B | CRDINSR822 | Insurance Effective date is greater than the transaction date | No | Per guidelines, binders will be acceptable if they are valid for at least six (6) months from the date Seller funds the loan with evidence that the premiums have been paid as follows: Refinance Transaction, current policy must have a remaining term of at least six (6) months. Loan closed XXX. Condo HOI expiration date is XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets XXX/80.78 months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 exceeds minimum credit score of 750, 11 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned present residence for 16 years and 6 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 69 months mortgage history with no late pays. |
| 7036821 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton ordered on behalf of Client. | 1/13/22 Service 1st Desk Review received supporting appraised value | 1/13/33 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.99% is 15.01% below maximum LTV of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 21569.77 months reserves. No reserves required due to 59.99% LTV |
| 7036847 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C B | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraisal Form 1004 in credit file is cut off at the bottom of each page and unable to confirm appraisal value. | 01/10/2022 lender provided complete Appraisal | 01/10/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.49%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 19.93 months PITIA, guidelines required 0 months PITIA |
| 7036847 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -25.88% variance with a value of XXX, and the OA value is XXX. A Desk Review is required. Clayton ordered on behalf of client. | 1.09.2022- VRA Desk Review received from XXX supporting appraisal value. | 1.09.2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.49%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 19.93 months PITIA, guidelines required 0 months PITIA |
| 7036850 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH150 | Tradelines do not meet guidelines | No | Guideline Minimum Credit Depth states: For LTV's less than or equal to 65%, three (3) tradelines are required but on one (1) of the tradelines needs to be seasoned greater than two (2) years. Borrower has only 1 open tradeline, seasoned for only 7 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 8.95 mo. PITIA, Reserves not required due to 65% LTV |
| 7036850 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require a 12 month Mortgage/Rental history, Credit report has a mortgage history of only 7 mo. 0x30. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 8.95 mo. PITIA, Reserves not required due to 65% LTV |
| 7036895 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 22 months PITIA, guidelines required 0 months PITIA. |
| 7036900 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C B | A | A D C B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject Refinance, the borrower will have 5 open loans with this lender. All loans are investment properties. Lender guidelines limit open loans to the same borrower to 4 with one property being owner occupied. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 30 years and 1 month. |
| 7036900 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C B | A | A D C B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 68. AVM FSD of 32, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 1.09.2022-VRA Desk Review received from Service 1st which does not support appraisal value. | 1.09.2022- Exception satisfied. Field Review required. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 30 years and 1 month. |
| 7036900 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C B | A | A D C B | A | A | Property Valuations | Value | Active C | PRVAVALU5249 | Property Value Not Supported | Yes | Collateral Analytics discloses -18.35% variance with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton ordered on behalf of client. | 1.09.2022- VRA Desk Review received from Service 1st which does not support appraisal value. Service 1st VRA discloses --11.18% variance with a value of XXX and the OA value is XXX. Exception remains Field Review is required. 5.11.2022 lender provided Field Review, dated XXX with Valuation XXX, which discloses a -29.41% variance from original valuation. Exception remains. | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 30 years and 1 month. |
| 7036933 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 1/6/21 AVM received supporting OA value | 1/6/21 condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 36.10 months PITIA, reserves not required due to 70% LTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years and 3 months |
| 7036952 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX equals XXX or 17.59 months PITIA. No reserves required. |
| 7036969 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX and confidence score of 79. AVM FSD of 21, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 12/31/2021 VRA Desk Review received from Service 1st supporting appraisal value. | 12/31/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 qualifying score. Min required per guidelines is 725. |
| 7036969 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -57.83% variance with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton order on behalf of client. | 12/31/2021 VRA Desk Review received from Service 1st supporting appraisal value. | 12/31/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 qualifying score. Min required per guidelines is 725. |
| 7036973 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Active B | CRDAPP5430 | FNMA Application Form is Outdated | No | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.24% is lower than the Program Guidelines max 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 38 years at the current residence. |
| 7036973 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 86. AVM FSD of 14, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 1.6.2022- VRA Desk Review received from XXX supporting appraisal value. | 1.6.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.24% is lower than the Program Guidelines max 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 38 years at the current residence. |
| 7036977 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 7/05 is outdated, New 1/21 version should be used. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 44 years current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 100.07 mo. PITIA, reserves not required due to 70% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70%, Max 75% |
| 7037021 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years. |
| 7037046 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.00% |
| 7037047 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 84. AVM FSD of 16, exceeded max of 10. A Desk Review is required. Clayton ordered Desk Review. | 1.09.2022- VRA Desk Review received from XXX supporting appraisal value. | 1.09.2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.71%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 qualifying score. Min required per guidelines is 725.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 25 months when 24 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing expense reduced by .045%. |
| 7037047 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analysts discloses -31.28% variance with a value of XXX, and the OA value is XXX. A Desk Review is required. Clayton ordered Desk Review. | 1.09.2022- VRA Desk Review received from XXX supporting appraisal value. | 1.09.2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.71%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 qualifying score. Min required per guidelines is 725.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 25 months when 24 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing expense reduced by .045%. |
| 7037062 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Fraud report missing | 01/04/2022 lender provided XXX Fraud Reporting | 01/04/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 66.41 months PITIA. 12 months of negative rent XXX =XXX in reserves required. |
| 7037062 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX and confidence score of 86. AVM FSD of 14, exceeded max of 10. Desk review is require. Clayton ordered on behalf of client. | 1.09.2022- XXX Desk Review received from XXX supporting appraisal value. | 1.09.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 66.41 months PITIA. 12 months of negative rent XXX =XXX in reserves required. |
| 7037090 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX and confidence score of 82. AVM FSD of 18, exceeded max of 13. Desk review is required. Clayton ordered on behalf of client. | 12/31/2021 CDA Desk Review received from XXXX supporting appraisal value. | 12/31/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 135.64 mo. PITI, Reserves not required due to 75% LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x29 exceeds GL requirement 0x30x12 |
| 7037090 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | (XXXl) discloses -19.8931% variance with a value of XXX and the OA value is XXX. A desk review is required. Clayton ordered on behalf of client. | 12/31/2021 CDA Desk Review received from XXXX supporting appraisal value. | 12/31/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 135.64 mo. PITI, Reserves not required due to 75% LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x29 exceeds GL requirement 0x30x12 |
| 7037096 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 73 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 9 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years. |
| 7037122 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Active B | CRDAPP5430 | FNMA Application Form is Outdated | No | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX equals XXX plus EMD returned to borrower XXX equals XXX or 3.68 months PITIA. No reserves required. Due to DSCR 1.33 and LTV OF 70% |
| 7037122 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Signed 1003 missing | 01/12/2022 lender provided Signed Final 1003 | 01/12/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX equals XXX plus EMD returned to borrower XXX equals XXX or 3.68 months PITIA. No reserves required. Due to DSCR 1.33 and LTV OF 70% |
| 7037142 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD:AVM dated XXX with an estimated value of XXX and confidence score of 84. AVM FSD of 16, exceeded max of 10. a DESK REVIEW required. | 1.7.2022- XXX Desk Review received from XXX supporting appraisal value. | 1.7.2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 qualifying score. Min required per guidelines is 700 / 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 24 months are required. |
| 7037142 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | FSD:AVM dated XXX with an estimated value of XXX and confidence score of 84. AVM FSD of 16, exceeded max of 10.a DESK REVIEW required. | 1.08.2022- XXX Desk Review received from XXX supporting appraisal value. | 1.08.2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 qualifying score. Min required per guidelines is 700 / 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 24 months are required. |
| 7037173 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 82. AVM FSD of 18, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 1.10.2022- VRA Desk Review received from XXX supporting appraisal value. | 1.10.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 7.5 years. |
| 7037173 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | (XXX) discloses -54.00% variance with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton order on behalf of client. | 1.10.2022- VRA Desk Review received from XXX supporting appraisal value. | 1.10.2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 7.5 years. |
| 7037192 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.98% ; max allowed per guidelines is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 qualifying score. Min required per guidelines is 675. |
| 7037200 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 723, min 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 31.76 months PITI, reserves not required due to LTV of 55.87%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55.87%, max 75% |
| 7037232 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 27.67 months PITIA, guidelines required zero months PITIA. |
| 7037252 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 qualifying score. Min required per guidelines is 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.67%; max allowed per guidelines is 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years and 1 month. |
| 7037260 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. Desk review is required property is a XXX Condotel. Clayton ordered on behalf of client. | 1.09.2022- CDA Desk Review received from Clear Capital supporting appraisal value. | 1.09.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 38.51 mo. PITIA, reserves not required due to 72.73% LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x58, max 0x30x12 |
| 7037292 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active B | CRDAPP5430 | FNMA Application Form is Outdated | No | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 32 months when 24 months are required. |
| 7037293 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 1.08.2022- CDA Desk Review received from Clear Capital supporting appraisal value. | 1.08.2022 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years ownership at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.80 LTV below guidelines 65%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves XXX or 5.75 months PITI |
| 7037392 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 12/27/2021 CDA Desk Review received from Clear Capital supporting appraisal value. | 12/27/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying score. Min required per guidelines is 750 |
| 7037397 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years. |
| 7037414 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 12.09 PITIA, reserves not required due to 70% LTV |
| 7037418 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.00% , Max 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 2 years 4 months at the current residence. |
| 7037457 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX and confidence score of 87. AVM FSD of 13, exceeded max of 10. | 12/31/2021 VRA Desk Review received from Service 1st supporting appraisal value. | 12/31/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 59.18%, MAX LTV 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 48.92 mo. PITIA, 12 mo. Neg. cash flow reserves required orXXX . |
| 7037500 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.68%; max allowed per guidelines is 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 24 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 42 months PITIA, guidelines required 0 months PITIA. |
| 7037510 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C B | N/A | N/A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | XXXX AVM discloses -10.67% variance with a value of XXX, and the OA value is XXX. A Desk Review is required. Clayton ordered in behalf of client. | 1.09.2022- CDA Desk Review received from Clear Capital supporting appraisal value. | 1.09.2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 34 months PITIA, guidelines required 0 months PITIA. |
| 7037515 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton ordered on behalf of Client. | 02/24/2022- VRA Desk Review received from Service 1st did not support appraised value. | 02/01/2022 Exception satisfied, a field review is now required. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x96, GL require 0x30x12<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 9.90 mo. PITI, reserves not required due to 75% LTV |
| 7037515 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | 2.24.22 Service 1st discloses -22.50% variance with a value of XXX and the OA value is XXX. A Field Review is required. | 2/28/2022- Lender provided ARR report. Exception remains, CDA order on behalf of client did not support so the valuation on waterfall is required. Client to provide Field review. Exception remains03/07/2022 lender provided Field Review, dated XXX | 03/07/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x96, GL require 0x30x12<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 9.90 mo. PITI, reserves not required due to 75% LTV |
| 7037518 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 669 qualifying score. Min required per guidelines is 650<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years. |
| 7037540 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1, provide Final HUD-1. | 1.6.2022- Lender provided Final Hud-1 | 1.6.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 5.42 months PITIA, reserves not required due to 70% LTV |
| 7037543 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 433.36 months PITIA, guidelines required 0 months PITIA. |
| 7037659 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 1/14/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 1/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 784 exceeds the Program Guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 36.62 mo. PITIA, Negative cash flow requires 12 mo. PITIA or XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x87, GL require 0x30x12 |
| 7037660 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX and confidence score of 87. AVM FSD of 13, exceeded max of 10. Desk Review is required. Clayton ordered on behalf of client. | 1.10.2022- VRA Desk Review received from XXX supporting appraisal value. | 1.10.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years and 1 month in current line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 68.19 months PITIA. Reserves required to cover Negative Rents XXX x 12 months equals XXX . |
| 7037676 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for xx30x26, max 0x30x12<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 135.83 months PITIA, reserves not required due to 75% LTV |
| 7037747 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX equals XXX or 17.79 months PITIA. No reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history on four open mortgages is 0 x 30 for 71, 98, 52 and 52 months when 12 months are required. |
| 7037788 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of XXX or 37.57 months PITIA. Reserves are not required Due to 70% LTV, with DSCR > 1.00. |
| 7037848 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV is below guidelines 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 credit score exceeds guidelines 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers mortgage has had no major occurrences in last 2 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX, reserves not required due to 70% LTV |
| 7037860 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation, Property is a Condotel. Desk review is required. Clayton ordered on behalf of client. | 1.10.2022- VRA Desk Review received from Service 1st supporting appraisal value. | 1.10.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 71 months when 12 months are required. |
| 7037941 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Based on lower of two middle Credit Scores, 715 versus 737, the assigned Credit Grade is A. Lender approvals in credit file are for Credit Grade AA and should be Credit Grade A. | 02/18/2022 lender provided Updated UW Worksheet & Approval with A credit grade | 02/18/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XX months PITIA, guidelines required 39 months PITIA. |
| 7037941 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 84. AVM FSD of 16, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 02/17/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 02/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XX months PITIA, guidelines required 39 months PITIA. |
| 7037941 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -23.18% variance with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton ordered on behalf of client. | 02/17/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 02/17/2022- exception satisfied. | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XX months PITIA, guidelines required 39 months PITIA. |
| 7037997 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Per matrix, for LTV greater than 70% for less than 1.0 DSCR, 12-months reserves for negative cashflow. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 764 exceeds minimum credit score of 750, 14 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 18 months mortgage history with no late pays. |
| 7038056 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Terms/Guidelines | Active C B | CRDTER4643 | Borrower does not meet guideline requirements | No | Seller's Guide for Small Business Multi Family require the Borrower/Guarantor to have Multi-Family Property Experience. The file is missing documentation for this experience. | 03/10/2022 lender response: Loan submitted XXX on exception from XXX prior to the actual guidelines being published on January 10th. | 03/10/2022 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for Reserves, LTV and time at current residence. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.02 % LTV below guideline requirements 70%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close verified asset/reserves XXX or 11.38 months PITI exceeds guidelines. Required Reserves 6 months. |
| 7038056 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 06/16/2022 Desk Review provided supporting appraisal value | 06/16/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.02 % LTV below guideline requirements 70%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close verified asset/reserves XXX or 11.38 months PITI exceeds guidelines. Required Reserves 6 months. |
| 7038057 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 49.54 months PITIA, guidelines required 0 months PITIA due to LTV at 70% |
| 7038096 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approvals for Rate & Term Refinance. Loan Purpose qualifies as Rate & Term with XXX Cash to Borrower at Closing. Lender approvals in file are for Cash Out Refinance. | 03/16/2022 lender provided Updated UW Worksheet & Approval. | 03/16/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years and 9 months in current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75% File LTV 63.54%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 qualifying score. Min required per guidelines is 675. |
| 7038096 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM XXX dated with an estimated value of XXX, and confidence score of 66. AVM FSD of 34, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years and 9 months in current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75% File LTV 63.54%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 qualifying score. Min required per guidelines is 675. |
| 7038138 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Provide corrected 1003 reflecting Borrower's Citizenship. If non-US Citizen, provide additional information to confirm Permanent Resident Alien or Non-Permanent Resident Alien. | 01/21/2022 lender provided Corrected Final 1003 uploaded reflecting correct citizenship status | 01/21/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 695 exceeds minimum credit score of 675, 20 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets XXX. Cash to close XXX. Post-closing cash reserves XXX 153.71 months reserves. 12 months reserves required. |
| 7038178 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 67. AVM FSD of 33, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/14/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 115.25 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years. |
| 7038308 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/24/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/24/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score. Min required per guidelines is 725. |
| 7038326 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 72. AVM FSD of 28, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 4.7.2022- Desk review provided supports appraisal value. | 4.7.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 qualifying score. Min required per guidelines is 675. |
| 7038326 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -22.78% variance with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton ordered on behalf of client. | 4.7.2022- Desk review provided supports appraisal value. | 4.7.2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 qualifying score. Min required per guidelines is 675. |
| 7038378 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Minimum tradelines by guidelines are 3; borrower has two. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX or 8.73 months PITIA. No reserves required due to 70% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 qualifying score. Min required per guidelines is725. |
| 7038381 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 41 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Post-closing cash reserves $XXX / 67.15 months reserves. No reserves required. |
| 7038626 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Business bank statements are not supported. Missing ownership documentation, for Borrower. | 03/09/2022 lender provided Business Verification reflecting borrower name as the owner of the business | 03/09/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years 10 months renting at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV below guideline requirements 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close asset XXX or 15.47 months PITI. Cash to close XXX no reserve requirements LTV is < 75% |
| 7038638 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/29/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/29/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.02%; max allowed per guidelines is 75.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX Reserves. Required Reserves 12 months Negative Cash Flow XXX x 12 = XXX + 6 months PITIA XXX x 6 = XXX, Total Required Reserves XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required. |
| 7038962 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 85. AVM FSD of 15, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/30/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/30/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 qualifying score. Min required per guidelines is 725.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $XXX or 77.08 months PITI. Required Reserves 12 months Negative Cash Flow $XXX x 12 = $XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 17 years. |
| 7038984 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 04/27/2022- CDA Desk Review received from Clear Capital supporting appraisal value. | 04/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX and XXX equals XXX or 198.92 months PITIA. 12-months negative rent reserves required due to DSCR < 1. XXX x 12 equals XXX, total reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years and 9 months in current profession. |
| 7038984 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -19.65% variance with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton ordered on behalf of client. | 04/27/2022- CDA Desk Review received from Clear Capital supporting appraisal value. | 04/27/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX and XXX equals XXX or 198.92 months PITIA. 12-months negative rent reserves required due to DSCR < 1. XXX x 12 equals XXX, total reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years and 9 months in current profession. |
| 7039090 | XXXXXX | VA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 88. AVM FSD of 12, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 02/21/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 02/21/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years and 4 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65 % LTV below guidelines 75%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences in past two years |
| 7039109 | XXXXXX | OK | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC5473 | Missing Prepayment Penalty Addendum | No | Provide Prepayment Penalty Addendum. | 3.14.22 Client provided PPP Addendum. | 3.14.22 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 806 exceeds minimum credit score of 750, 56 points. |
| 7039109 | XXXXXX | OK | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 03/21/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 03/21/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 806 exceeds minimum credit score of 750, 56 points. |
| 7039120 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 91. AVM FSD of 9, exceeded max of 8. Clayton ordered Desk Review on behalf of Client. | 03/14/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 03/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years and 8 months at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower's VOM does not have major elated occurrences during the past two years . |
| 7039162 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX and confidence score of 91. AVM FSD of 9, exceeded max of 8. Clayton ordered Desk Review on behalf of Client. | 03/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 65% File LTV 43.02%. |
| 7039171 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 34 years and 5 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75% File LTV 27.84%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score. Min required per guidelines is 725. |
| 7039172 | XXXXXX | NV | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing loan approvals with Credit Grade A, based on 721 Credit Score. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 26 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 819 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63%; max allowed per guidelines is 70%. |
| 7039235 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 23 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 46.40%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 20.93 months PITIA, guidelines required 0 months PITIA. |
| 7039258 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Compliance | Repayment Ability | Active B | CMPSTRA1497 | File does not contain a repayment ability worksheet | No | &nbsp;&nbsp;&nbsp;&nbsp;File does not contain a repayment ability worksheet | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 59.71 months PITIA, guidelines required 0 months PITIA. |
| 7039258 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 84. AVM FSD of 16, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 59.71 months PITIA, guidelines required 0 months PITIA. |
| 7039261 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 3.18.2022 Clayton to order AVM. | 03/24/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/24/2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 7.75 months PITIA. 12-months negative rent reserves required due to DSCR < 1. $502.18 x 12 equals $XXX total reserves required. |
| 7039269 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 4.7.2022- Desk review provided supports appraisal value. | 4.7.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.240%; max allowed per guidelines is 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 76 months when 12 months are required. |
| 7039280 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.770%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 28.63 months PITIA, Reserves are not required. |
| 7039281 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 71. AVM FSD of 29, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/29/2022- VRA Desk Review received from XXX | 03/29/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 19 years and 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 75%. |
| 7039281 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -17.11% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. Clayton ordered on behalf of client. | 03/29/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/29/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 19 years and 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 75%. |
| 7039282 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 57. AVM FSD of 43, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/10/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 03/10/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences in the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 Credit score exceeds guideline 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close asset contributed by cash out loan amount of $XXX. LTV <75 reserve not required |
| 7039282 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -35.58% variance with a value of XXX and the OA value is XXX. A Desk Review is required. Clayton ordered on behalf of client. | 03/10/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/10/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences in the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 Credit score exceeds guideline 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close asset contributed by cash out loan amount of $XXX. LTV <75 reserve not required |
| 7039294 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score. Min required per guidelines is 725.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 38 months no late payments |
| 7039303 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 35.14%; max allowed per guidelines is 75.00%. |
| 7039310 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 03/14/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 25.08 months PITIA, guidelines required 0 months PITIA. |
| 7039314 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX equals XXX or 6.93 months PITIA. No reserves required. |
| 7039322 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 84. AVM FSD of 16, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 04/27/2022- VRA Desk Review received from XXX supporting appraisal value. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.33% is 13.67% below maximum LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 813 exceeds minimum credit score of 750, 63 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 99 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Post-closing cash reserves $XXX /92.55 months reserves. No reserves required.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Lowered housing payment from $XXXX to $XXXX. |
| 7039326 | XXXXXX | UT | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | XXX\*XXX. date opened XXX is aged less than 2 years, guideline require 3 tradelines, minimum of 2 years for LTV above 65.00%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 219.83 months PITIA, guidelines required 12 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qualifying score. Min required per guidelines is 750. |
| 7039327 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | XXX\*XXX. date opened XXX is aged less than 2 years, guideline require 3 tradelines, minimum of 2 years for LTV above 65.00%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 219.34 months PITIA, guidelines required 12 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qualifying score. Min required per guidelines is 750. |
| 7039327 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton ordered on behalf of Client. | 03/16/2022- AVM received from XXX supporting appraisal value. | 03/16/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 219.34 months PITIA, guidelines required 12 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qualifying score. Min required per guidelines is 750. |
| 7039338 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 87. AVM FSD of 13, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/07/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/07/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 qualifying score. Min required per guidelines is 750. |
| 7039342 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Cash to close is $XXX Post-closing cash reserves $XXX/ 13.76 months reserves. 6 months reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 30 months mortgage history with no late pays. |
| 7039398 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Compliance | Repayment Ability | Active B | CMPSTRA1497 | File does not contain a repayment ability worksheet | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 qualifying score. Min required per guidelines is 750. |
| 7039398 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXXAVM FSD of 50, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/29/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/29/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 qualifying score. Min required per guidelines is 750. |
| 7039398 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -17.90% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. Clayton ordered on behalf of client. | 03/29/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/29/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 qualifying score. Min required per guidelines is 750. |
| 7039402 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX, and confidence score of 87. AVM FSD of 13, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 23.46 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years. |
| 7039407 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/30/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/30/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 790 exceeds the Program Guidelines of 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 492 months PITI reserves |
| 7039407 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -73.78% variance with a value of XXX and the OA value is $XXX A Desk Review is required. Clayton ordered on behalf of client. | 03/30/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/30/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 790 exceeds the Program Guidelines of 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 492 months PITI reserves |
| 7039423 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 10.39 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 12 years. |
| 7039433 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | The borrower has 1 open/active tradelinePer the guidelines, a minimum credit depth of three acceptable tradelines are required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.37%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 13.58 months PITIA, guidelines required 0 months PITIA. |
| 7039452 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 qualifying score. Min required per guidelines is 725. |
| 7039473 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 82. AVM FSD of 18, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/30/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/30/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 16.96 months PITIA. No reserves required. |
| 7039481 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at same residence for 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Cash to close $XXX. Post-closing cash reserves $XXX /12.66 months Reserves. No reserves required. |
| 7039519 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 11.93 months PITIA. Required Reserves 12 months Negative Cash Flow $41.04 x 12 = $492.48. |
| 7039525 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Compliance | State Prepayment Penalty | Active B | CMPSTPP303 | PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed | No | Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $3751.50, guidelines required 0 months PITIA. |
| 7039525 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 83. AVM FSD of 17, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/24/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/24/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $3751.50, guidelines required 0 months PITIA. |
| 7039554 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing Signed Final Settlement Statement. Copy in the file does not have a signature page. | 03/16/2022 lender provided Final Settlement Statement Signature Page | 03/16/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.52%; max allowed per guidelines is 75.00%. |
| 7039564 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Hazard insurance not viewable. | 03/18/2022 lender provided Hazard Insurance | 03/18/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX or 3.56 months PITIA cash on hand. Reserves, Not require due to LTV of 70.00% |
| 7039572 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 exceeds minimum credit score of 700, 13 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Cash to close $XXX. Post closing cash reserves $XXX /41.97 months reserves.No reserves required. |
| 7039631 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 76. AVM FSD of 24, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 03/24/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/24/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 719 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 34.33 months PITIA. No reserves required. |
| 7039631 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -13.64% variance with a value of $XXXand the OA value is $XXX. A Desk Review is required. Clayton ordered on behalf of client. | 03/24/2022- VRA Desk Review received from Service 1st supporting appraisal value. | 03/24/2022- exception satisfied. | Not Applicable | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 719 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 34.33 months PITIA. No reserves required. |
| 7039712 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 83. AVM FSD of 17, exceeded max of 10. Clayton ordered Desk Review on behalf of Client. | 4.4.22- Desk provided does not support appraisal value. Field review required | 4.4.22- Exception satisfied . New exception #PRVALALU5249 created | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 172 months PITIA, guidelines required 0 months PITIA. |
| 7039712 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | 4.4.2022-(Service 1st) discloses -13.33% variance with a value of $XXX and the OA value is $XXX. A (Field Review) is required. Clayton order on behalf of client. | 05/23/2022 lender provided Field Review | 05/23/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 172 months PITIA, guidelines required 0 months PITIA. |
| 7039749 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM with FSD score of 15 exceeds tolerance, desk review is required. | 05/02/2022 lender response: Please proceed ordering valuation report05/02/2022 Desk Review ordered05/02/2022- XXX Desk Review received from XXX supporting appraisal value. | 05/02/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 36.59%; max allowed per guidelines is 70.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years. |
| 7039749 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | Number of units rented 93% exceeds the maximum allowed of 50%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 36.59%; max allowed per guidelines is 70.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years. |
| 7039751 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any mortgage related occurrences during the past two years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets with cash out contribution XXX or 17.01 months PITI. LTV 70% no reserve requirement |
| 7039776 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval for Rate & Term Refinance. Lender approvals in the credit file are for Cash Out Refinance. Based on $XXX Cash Out to Borrower, Loan Purpose is Rate Term Refinance. | 04/25/2022 lender provided updated approval and XXX reflecting R/T refinance. | 04/25/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.30% LTV below guideline requirements max of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXX. No reserve requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 Credit score exceeds guideline 700 |
| 7039776 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 4/22/22 AVM received. | 4/22/22 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.30% LTV below guideline requirements max of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXX. No reserve requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 Credit score exceeds guideline 700 |
| 7039776 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -13.09% variance with a value of $XXX. and the OA value is $XXX. A Desk Review is required. \*\*\* Clayton order on behalf of client. | 04/28/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/28/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.30% LTV below guideline requirements max of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXX. No reserve requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 Credit score exceeds guideline 700 |
| 7039817 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 79.29 months PITIA, guidelines required 12 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years. |
| 7039837 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insufficient Hazard Insurance Coverage - cost to rebuild property - XXX; Insured Amount XXX plus 125% extended coverage - XXX. | 03/18/2022 lender provided updated RCE | 03/18/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 784 exceeds the Program Guidelines of 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years 7 months at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 96 months PITI reserves |
| 7039875 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 46 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 127.82 months PITIA, Reserves are not required. |
| 7039955 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 4 months at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets XXX or 94.77 months PITI. LTV <75% no reserve requirements. |
| 7039968 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67.81%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score. Min required per guidelines is 750. |
| 7039974 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score. Min required per guidelines is 750. |
| 7040036 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval for Credit Grade A, based on assigned Credit Score of 705. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned present residence for 12 years and 4 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 26 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Cash refunded at close $325.96. Post-close cash reserves $XXX /180.52 months reserves. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is 30% below maximum LTV of 80%. |
| 7040048 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 05/02/2022- XXX Desk Review received from XXX supporting appraisal value. | 05/02/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned present residence for 11 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.22% is 25.78% below maximum LTV of 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 26 months mortgage history with no late pays. |
| 7040143 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 3 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $XXX less cash from borrower $XXX equals XXX or 3.25 months PITIA. No reserves required. |
| 7040235 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.92%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 21.15%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 36.49 PITIA, guidelines required 0 months PITIA.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 44 years. |
| 7040310 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 31.18%; max allowed per guidelines is 70.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 20 years. |
| 7040342 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 05/02/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/02/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 13 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.60% is 30.40% below maximum LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 661 exceeds minimum credit score of 650, 11 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX /12.31 months reserves. No reserves required.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing payment went from $XXXX to $XXXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.33% is 16.67% below maximum DTI of 50%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower reduced monthly debts $1,411. |
| 7040347 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 88. AVM FSD of 12, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 05/13/2022- XXX Desk Review received from XXX supporting appraisal value. | 05/13/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 33.44%; max allowed per guidelines is 70.00%. |
| 7040537 | XXXXXX | CO | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing copy of lease or comparable rent schedule, from XXXX Appraisal, showing rent of $XXXX. | 05/03/2022 lender response: Rental Schedule uploaded.05/03/2022 Clayton replied Rental Schedule was not received. Please upload again.05/04/2022 lender provided Rental Schedule | 05/04/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 224.13 PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60.00%; max allowed per guidelines is 65.00%. |
| 7040874 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 45.45%; max allowed per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 15 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 78 months when 12 months are required. |
| 7040933 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH121 | Bankruptcy history does not meet guidelines | No | Provide the bankruptcy discharge documentation confirming discharge in XXX; or LTV would be reduced to 65%. Additional conditions may apply. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 17 years in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 36.20% |
| 7041005 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 07/21/2022 AVM received | 07/21/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.73%; max allowed per guidelines is 75%. |
| 7041005 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 78. AVM FSD of 22, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 07/25/2022- XXX Desk Review received from XXXs upporting appraisal value. | 07/25/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.73%; max allowed per guidelines is 75%. |
| 7041063 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 08.10.2022 Clayton to order AVM. | 08/12/2022 AVM received | 08/12/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 662 qualifying score. Min required per guidelines is 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70% File LTV 59.09% |
| 7041063 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -17.27% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. Clayton order on behalf of client. | 09/08/2022- XXX Desk Review received from XXX supporting appraisal value. | 09/08/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 662 qualifying score. Min required per guidelines is 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70% File LTV 59.09% |
| 7041108 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | The borrower has 1 open/active tradeline; Per guidelines 3 tradelines are required | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 qualifying score. Min required per guidelines is 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $547,124.78 or 140.70 months PITIA, guidelines required 0 months PITIA. |
| 7041174 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 08.08.2022 Clayton to order AVM. | 8.9.22: AVM did not support the appraised value FSD score 35 exceeds maximum of 10. Clayton order Desk Review on behalf of Client.08/10/2022 Desk Review provided supporting appraisal value | 8.9.22: Exception satisfied.08/10/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 qualifying score. Min required per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 80% File LTV 43.650%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at current residence. |
| 7041381 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required. |
| 7041413 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 39.45%, max per guidelines is 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 104 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 666 qualifying score. Min required per guidelines is 650. |
| 7041589 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insufficient Hazard Insurance Coverage. Hazard Insurance coverage is $XXX and Loan Amount is $XXX. | 08/02/2022 lender provided XXX | 08/02/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 29.16%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years ad 7 months in current profession. |
| 7041720 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 6 years and 5 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 13.97 months PITIA, guidelines required no months PITIA<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 7 years and 1 month. |
| 7041783 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 08/10/2022 AVM received | 058/10/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7041783 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated with an estimated value of $XXX, and confidence score of 83. AVM FSD of 17, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 08/10/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/10/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7041787 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 8.9.22: AVM provided that did not support value. | 8.9.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7041787 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 77. AVM FSD of 23, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 08/11/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/11/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7041787 | XXXXXX | MN | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -25.27% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. Clayton order on behalf of client. | 08/11/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/11/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7041858 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 84 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 qualifying score. Min required per guidelines is 650. |
| 7041864 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Length of mortgage/rental history 0 in file does not meet guideline requirement of 12 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.56%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7041864 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Deed of Trust, dated XXX, has an incorrect Notary Date of XXX. | 9/9/2022: Lender provided affidavit with correction and proof of re-recording. After review from Sr. Compliance, exception can be satisfied. | 9/9/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.56%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7041875 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying score. Min required per guidelines is 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 207 months when 24 months are required. |
| 7041907 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves: $XXXor XXX Months PITIA, 0 months reserve required. |
| 7041937 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 7.20.2022 Clayton to order AVM. | 07/21/2022 AVM received | 07/21/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 6.20%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 qualifying score. Min required per guidelines is 700. |
| 7041937 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 88. AVM FSD of 12, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 07/25/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/25/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 6.20%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 qualifying score. Min required per guidelines is 700. |
| 7041989 | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 82.76%; max allowed per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.95%, max per guidelines is 50%. |
| 7041998 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.37%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 127 months when 24 months are required. |
| 7042019 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.44%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 637 qualifying score. Min required per guidelines is 625.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 82 months when 24 months are required. |
| 7042027 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 37.65%, max per guidelines is 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 197 months when 24 months are required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 5 years. |
| 7042081 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide the CD associated with the COC dated 7/15/22. | 8/4/2022: Client provided initial CD XXXX. | 8/4/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 6 years and 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has been employed in same field for 25 years..<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%. |
| 7042081 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Earliest CD in file is CD XXX signed on consummation date of XXX. | 8/4/2022: Client provided initial CD XXX. | 8/4/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 6 years and 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has been employed in same field for 25 years..<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%. |
| 7042081 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | The initial CD is not in the file. | 8/4/2022: Client provided initial CD XXXX. | 8/4/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 6 years and 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has been employed in same field for 25 years..<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%. |
| 7042098 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 7.21.2022 Clayton to order AVM | 07/22/2022 AVM received | 07/22/25022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 649 qualifying score. Min required per guidelines is 625.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $0 plus cash to borrower $XXX equals $XXX or 101.47 months PITIA. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70% File LTV 60.40% |
| 7042098 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 88. AVM FSD of 12, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 8.19.2022- XXX obtain Desk review supporting appraisal value $XXX | 8.19.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 649 qualifying score. Min required per guidelines is 625.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $0 plus cash to borrower $XXX equals $XXX or 101.47 months PITIA. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70% File LTV 60.40% |
| 7042110 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 08.05.2022 Clayton to order AVM. | 8.8.22: AVM supports appraised value. | 8.8.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying score. Min required per guidelines is 750. |
| 7042114 | XXXXXX | OK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 24.79%, max per guidelines is 50%. |
| 7042132 | XXXXXX | VT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | The Partial Payments statement in Loan Disclosures section on CD XXX does not have a selection. Corrected on PCCD XXX. | (No Data) | Exception satisfied since corrected on PCCD. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 qualifying score. Min required per guidelines is 675.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has owned XXX for 21 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 13.31%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7042132 | XXXXXX | VT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Credit | Terms/Guidelines | Active B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan Amount of $XXX exceeds XXX Location. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 qualifying score. Min required per guidelines is 675.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has owned XXX for 21 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 13.31%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7042171 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC2408 | Income verification does not meet guidelines | No | Income verification does not meet guidelines. 3 months personal and 9 months business bank statements. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.45%, max per guidelines is 50%. |
| 7042171 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Lender guidelines for Bank Statement Doc Type require documentation supporting existence of the self employment business for at least the two most recent years. Borrower has been self employed since XXX, or 9.5 months, as of the date of closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.45%, max per guidelines is 50%. |
| 7042173 | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.6%, max per guidelines is 50%. |
| 7042216 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves of 6.84 months or $53,780.91 does not meet guideline required reserves of 12 months or $94,279.56. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been self-employed for 7 years. |
| 7042216 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing a copy of the current lease for rental REO on xXXX to calculate rental income. | 08/08/2022 lender response: Uploading 1007 for XXX as it was part of a 2 pack of loans from B2 that showed it is currently rented at $XXX per the 1007. No lease agreement in place since the same tenant was still in the property and that old agreement was in the name of the seller and not needed for that purchase transaction. XXX will accept the 1007 as proof of rents for multi-pack deals.08/08/2022 Clayton did not receive 1007. Clayton response: 1007 was not received. Please re-upload 1007.08/09/2022 lender provided 1007. | 08/09/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been self-employed for 7 years. |
| 7042220 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 87. AVM FSD of 13, exceeded max of 10. 7.20.22 Clayton order XXX . | 07/25/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/25/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 37 months when 12 months are required. |
| 7042220 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -17.15% variance with a value of $XXX, and the OA value is $XXX. A Desk review is required. 7.20.22 Clayton order XXX . | 07/25/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/25/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 37 months when 12 months are required. |
| 7042224 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject transaction, Borrower will have 6 mortgages with XXX, and all will be on investment properties. Guidelines limit number of mortgages with XXX to 4, with one being on the Borrower's primary residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 8 months at current residence. |
| 7042225 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines For LTVs less than or equal to 65%, three (3) tradelines are required but only one (1) of the tradelines needs to be seasoned greater than two (2) years. Borrower has one tradeline. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 7 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 629 qualifying score. Min required per guidelines is 625. |
| 7042233 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 07/26/2022 AVM received | 07/26/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 24 + 12 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 10 months PITIA, guidelines required 6 months PITIA.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed with XXX for 12 years. |
| 7042233 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 77. AVM FSD of 23, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 07/27/2022- XXX Desk Review received from XXXX supporting appraisal value. | 07/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 24 + 12 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 10 months PITIA, guidelines required 6 months PITIA.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed with XXX for 12 years. |
| 7042235 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 07/25/2022 AVM received | 07/25/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 151.21 months PITI, guidelines do not require Reserves. |
| 7042235 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated 07/21/2022 with an estimated value of $XXX, and confidence score of 56. AVM FSD of 44, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 07/26/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/26/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 151.21 months PITI, guidelines do not require Reserves. |
| 7042276 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | AVM received | Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 41.63%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.25%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 20.91, guidelines required 6 months PITIA. |
| 7042276 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 82. AVM FSD of 18, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 07/05/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/05/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 41.63%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.25%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 20.91, guidelines required 6 months PITIA. |
| 7042285 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV below guidelines 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 730 Credit score below guideline requirements 725<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets $XXX OR 9.10 months PITI $XXX. cash to close $XXX No reserve requirement LTV<75% |
| 7042288 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Lender guidelines limit number of loans to four to the same Borrower. Pre-closing, the Borrower has seven loans with this lender, plus five additional planned loans, for a total of twelve loans with this same lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 385 months when 24 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 29 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 41.50%, max per guidelines is 50%. |
| 7042289 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Lender guidelines limit number of loans to four to the same Borrower. Pre-closing, the Borrower has seven loans with this lender, plus five additional planned loans, for a total of twelve loans with this same lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 385 months when 24 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 29 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.53%, max per guidelines is 50%. |
| 7042289 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order VRA on behalf of Client. | 07/27/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 385 months when 24 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 29 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.53%, max per guidelines is 50%. |
| 7042290 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Lender guidelines limit number of loans to four to the same Borrower. Pre-closing, the Borrower has seven loans with this lender, plus five additional planned loans, for a total of twelve loans with this same lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.50%, max per guidelines is 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 385 months when 24 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 29 years. |
| 7042290 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order XXX on behalf of Client. | 07/27/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.50%, max per guidelines is 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 385 months when 24 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 29 years. |
| 7042293 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Lender guidelines limit number of loans to four to the same Borrower. Pre-closing, the Borrower has seven loans with this lender, plus five additional planned loans, for a total of twelve loans with this same lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.73%, max per guidelines is 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 385 months when 24 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 23 years. |
| 7042293 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 75. AVM FSD of 25, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 07/27/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.73%, max per guidelines is 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 385 months when 24 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 23 years. |
| 7042305 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Insurance | Active B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Disbursement date is XXX, Insurance effective date is 06/30/2022 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.85%; max allowed per guidelines is 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 40.73 guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 qualifying score. Min required per guidelines is 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 211 months when 24 months are required. |
| 7042336 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated 07.21.2022 with an estimated value of $XXX, and confidence score of 85. AVM FSD of 15, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 07/27/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 qualifying score. Min required per guidelines is 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 5 months in current profession. |
| 7042345 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 56.49%; max allowed per guidelines is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with Independent Contractor for 20 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 51 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 48.15%, max per guidelines is 50%. |
| 7042361 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC and rate lock confirmation in file reflect the rate locked on 6/13/2022 after initial LE was provided. The LE disclosing the rate lock within three days is missing from file. | 7/25/2022: Lender provided LE 6/14/2022. | 7/25/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.15 DTI below guideline requirements 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below guideline requirements 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $XXX or 15.05 months PITI. Cash to close $215,082.18. PITI $XXX x 6 months reserves =$46,889.82. |
| 7042361 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton ordered on behalf of Client. | 08/02/2022- CDA Desk Review received from XXX supporting appraisal value. | 08/02/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.15 DTI below guideline requirements 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below guideline requirements 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $XXX or 15.05 months PITI. Cash to close $215,082.18. PITI $XXX x 6 months reserves =$46,889.82. |
| 7042364 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 7.19.2022 Clayton to order AVM. | 07/21/2022 AVM received. | 07/21/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 12.09% |
| 7042364 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated 07/19/2022 with an estimated value of $XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 07/28/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/28/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 12.09% |
| 7042364 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses - 53.92% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. Clayton order on behalf of client. | 07/28/2022- XXX Desk Review received from XXX supporting appraisal value. | 07/28/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 12.09% |
| 7042371 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying score. Min required per guidelines is 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 87 months when 24 months are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $73,848.00 or XXX guidelines required 0 months PITIA. |
| 7042378 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active B | CRDAPP130 | Application is incomplete | No | Borrower is using Business Assets for closing. Missing LOE from Borrower describing the potential impact on the business if business funds are used for closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years 6 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 35.73% |
| 7042378 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Lender guidelines allow the borrower maximum of four loans with this lender. With subject closing the borrower will have eight loans with this lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years 6 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 35.73% |
| 7042382 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 268 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 qualifying score. Min required per guidelines is 725.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 66.47 guidelines required 0 months PITIA. |
| 7042388 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 68. AVM FSD of 32, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 07/27/2022- XXX Desk Review received from XXXX supporting appraisal value. | 07/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 qualifying score. Min required per guidelines is 725.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 23 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 93 months PITIA, guidelines required 0 months PITIA. |
| 7042388 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -22.52% variance with a value of $XXX, and the OA value is $XXX. A Desk review is required. Clayton order Desk Review on behalf of Client. | 07/27/2022- XXX Desk Review received from XXXX supporting appraisal value. | 07/27/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 qualifying score. Min required per guidelines is 725.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 23 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 93 months PITIA, guidelines required 0 months PITIA. |
| 7042407 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.30%; max allowed per guidelines is 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 19.60%, max per guidelines is 50%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 742 qualifying score. Min required per guidelines is 725.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 165 months when 24 months are required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 10 years. |
| 7042415 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 61.54%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 59 months when 12 months are required |
| 7042424 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.20%; max allowed per guidelines is 70%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 67 months when 24 months are required. |
| 7042441 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified at $135,698.90 cash from borrower $132,302.XXX equals $XXX or XXX months PITIA. Required Reserves of 6 months PITIA due to 80% LTV. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 qualifying score. Min required per guidelines is 750. |
| 7042471 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Right of Rescission | Satisfied B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing ROR. | (No Data) | 10/26/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.52%; max allowed per guidelines is 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 613 qualifying score. Min required per guidelines is 575.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.58%, max per guidelines is 50%. |
| 7042471 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR. | 8/11/2022: Lender provided hardship LOE from borrower waiving rescission period. Per inside counsel, the form must be provided to borrower prior to their waiving it. The XXX released guidance due to questions surrounding COVID and made it clear that the form must be received:Under the TRID Rule, creditors generally must deliver or place in the mail the LoanEstimate to consumers no later than seven business days before consummation and consumers must receive the Closing Disclosure no later than three business days before consummation. The Regulation Z Rescission Rules also provide consumers with at least three business days from consummation to rescind certain credit obligations secured by the consumers principal dwelling, and creditors are required to provide consumers with a disclosure informing them of this rescission right. Under the TRID Rule and the Regulation Z Rescission Rules, however, after receiving the required disclosure(s), a consumer may modify or waive these waiting periods if the consumer determines that he or she needs credit extended to meet a bona fide personal financial emergency. Exception remains. 10/21/2022: Lender provided PCCD XXX, LOE to borrower and provided a Notice of Right to Cancel with expiration date of XXX. Exception will satisfy after end of rescission period. | 10/26/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.52%; max allowed per guidelines is 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 613 qualifying score. Min required per guidelines is 575.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.58%, max per guidelines is 50%. |
| 7042471 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 8.4.22: AVM provided that did not support the appraised value based on FSD score. Clayton order Desk Review on behalf of Client. | 8.4.22. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.52%; max allowed per guidelines is 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 613 qualifying score. Min required per guidelines is 575.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.58%, max per guidelines is 50%. |
| 7042471 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated 8.4.22 with an estimated value of $XXX and confidence score of 76. AVM FSD of 24, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 08/09/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/09/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.52%; max allowed per guidelines is 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 613 qualifying score. Min required per guidelines is 575.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.58%, max per guidelines is 50%. |
| 7042480 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 08/02/2022 AVM received | 08/02/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 9 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 192 months when 24 months are required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.89%, max per guidelines is 50%. |
| 7042480 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated 08/01/2022 with an estimated value of $XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 08/08/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/08/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 9 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 192 months when 24 months are required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.89%, max per guidelines is 50%. |
| 7042483 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton order on behalf of Client. | 08/09/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/09/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 113 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 qualifying score. Min required per guidelines is 725 .<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 24 months when 12 months are required. |
| 7042498 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has owned/directed XXXX for 10.5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.39%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750. |
| 7042521 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 56.41%; max allowed per guidelines is 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.82%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $8,162.52 or 8.96 months PITIA, guidelines required 0 months PITIA. |
| 7042522 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV below guideline requirements of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 credit score exceeds guidelines 750<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 15.17 DTI below guideline requirements 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: post close assets $XXX or 93.46 months PITI. Cash to close 191,695.26. PITI $XXX. No reserve requirements LTV <75% |
| 7042524 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 qualifying score. Min required per guidelines is 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 110 months 24 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $66,464.82 or 37.65 guidelines required 0 months PITIA. |
| 7042537 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $241,281.75 or 27.53 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 17.42%, max per guidelines is 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 17 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with XXX. dba XXX for 36 years and 7 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been self-employed with XXX. dba XXX fOR 28 years and 11 months. |
| 7042548 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 14years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 69 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 667 qualifying score. Min required per guidelines is 650. |
| 7042570 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.53%, max per guidelines is 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with XXX for 8 years and 2 months. |
| 7042585 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 5.79%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 12 months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Rent payment history is for 47 months when 12 months are required. |
| 7042594 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Provide final signed 1003. | 07/26/2022 lender provided Signed Final 1003 | 07/26/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 664 qualifying score. Min required per guidelines is 650. |
| 7042594 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP227 | Application Not Signed by Co-Borrower | No | Provide final signed 1003. | 07/26/2022 lender provided Signed Final 1003 | 07/26/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 664 qualifying score. Min required per guidelines is 650. |
| 7042622 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 33.85%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.12%; max allowed per guidelines is 80%. |
| 7042624 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | B D A C | D | B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Doc Magic cert in file reflects LE 6/24/22 was issued. Missing LE dated 6/24/22. | 8/4/2022: Client provided LE 6/24/2022. | 8/4/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self- employed with XXX, LLC for 10 years and 1 month.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 28 months when 12 months are required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $263,865.31 or 36.45 months PITIA, guidelines required 6 months PITIA. |
| 7042624 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | B D A C | D | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration Date is disclosed as midnight of 7/26/22. CD dated XXX discloses the Disbursement Date as XXX. | 8/4/2022: Client provided PCCD dated XXX with disbursement date correction, LOE and proof of delivery. | 8/4/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self- employed with XXX, LLC for 10 years and 1 month.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 28 months when 12 months are required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $263,865.31 or 36.45 months PITIA, guidelines required 6 months PITIA. |
| 7042624 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | B D A C | D | B | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -10.83% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. Clayton order on behalf of client. | 08/09/2022- XXX Desk Review received from XXXX supporting appraisal value. | 08/09/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self- employed with XXX, LLC for 10 years and 1 month.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 28 months when 12 months are required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $263,865.31 or 36.45 months PITIA, guidelines required 6 months PITIA. |
| 7042645 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 9 years and 4 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX-employed with XXX for 12 years and 7 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.99%; max allowed per guidelines is 90%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 20 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 22.95%, max per guidelines is 50%. |
| 7042647 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Required Reserves of 12 months PITI. Borrower has Reserves of $XXX or XXX months PITI. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.20%, max per guidelines is 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 376 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying score. Min required per guidelines is 700. |
| 7042662 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 71 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 2.64%, max per guidelines is 50%. |
| 7042663 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 27 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 qualifying score. Min required per guidelines is 791.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 30.84% |
| 7042666 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | DTI | Active B | CRDDTI187 | Debt Ratio > 50% | No | DTI 51.22% based on total calculated income of $XXX compared to lenders income calculation of $XXX Difference due to lender using 100% of calculation from XXX $XXX per month compared to audit at 50% for $XXX per month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 qualifying score. Min required per guidelines is 750. |
| 7042672 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 14.91 months PITIA, guidelines required 12 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.65%, max per guidelines is 50%. |
| 7042673 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 7 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with XXX for 32 years and 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 675 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7042684 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 qualifying score. Min required per guidelines is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 39 months when 24 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $52,438.99 or 17.92 months PITIA, guidelines required 6 months PITIA. |
| 7042691 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated 07/27/2022 with an estimated value of $XXX and confidence score of 88. AVM FSD of 12, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 08/10/2022- XXX Desk Review received from XXXX supporting appraisal value. | 08/10/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years at current residence. |
| 7042694 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 7042704 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per the guidelines, 3 open/active tradelines are required. the borrower has 2 open tradelines | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 36 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying score. Min required per guidelines is 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $179,231.82 or 54.88 months PITIA, guidelines required 0 months PITIA |
| 7042704 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | DTI subject to change when missing award letter has been received | 08/09/2022 lender response: XXX Document uploaded reflecting 3M Pension award letter confirming benefit amount for lifetime along with direct deposits on bank statements08/09/2022 Clayton response: XXX-upload again.08/10/2022 lender response: XXX Document uploaded reflecting XXX award letter confirming benefit amount for lifetime along with direct deposits on bank statements | 08/10/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 36 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying score. Min required per guidelines is 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $179,231.82 or 54.88 months PITIA, guidelines required 0 months PITIA |
| 7042704 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing documentation (award letter) to verify co-borrower's XXX income. Per the guidelines a copy of the pension award letter and bank statements or 1099 are required. | 08/09/2022 lender response:XXX Document uploaded reflecting 3M XXX award letter confirming benefit amount for lifetime along with direct deposits on bank statements08/09/2022 Clayton response: XXX Document was not received. Please re-upload again.08/10/2022 lender response: XXX Document uploaded reflecting XXX award letter confirming benefit amount for lifetime along with direct deposits on bank statements | 08/10/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 36 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying score. Min required per guidelines is 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $179,231.82 or 54.88 months PITIA, guidelines required 0 months PITIA |
| 7042727 | XXXXXX | LA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 08.04.2022 Clayton to order AVM. | 08/10/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/10/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 25.74% |
| 7042729 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 3 months in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 28.67% |
| 7042814 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves:$XXX or XXX Months PITIA, 6 months reserve required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.26%, max per guidelines is 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 qualifying score. Min required per guidelines is 675.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 172 months when 24 months are required. |
| 7042828 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | XXX XXX XXX not provided. Used numbers lender provided in assumption that they are correct. Provide statement XXX XXX XXX. | 08/02/2022 lender provided XXX July 2021 Bank Statement | 08/02/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years in current profession. |
| 7042852 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 5 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 67 months when 12 months are required. |
| 7042886 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.30%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 620 qualifying score. Min required per guidelines is 600.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 7 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been employed with XXX as a XXX for 7 years and 8 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: The co-borrower has been employed with XXX for 4 years |
| 7042918 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 1 months in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 15.72% |
| 7042993 | XXXXXX | WI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Provide third party fraud report. | 08/11/2022 lender provided XXX | 08/11/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years and 7 month at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 6 months in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 37.20% |
| 7042993 | XXXXXX | WI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 08.08.2022 Clayton to order AVM. | 08/10/2022 Desk Review received supporting appraisal value | 08/10/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years and 7 month at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 6 months in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 37.20% |
| 7043009 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 329 months when 24 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 qualifying score. Min required per guidelines is 725. |
| 7043020 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Insurance | Active B | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | HOI coverage $XXXreplacement cost $XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 22.42%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 6 months PITIA. |
| 7043065 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 16 years and 5 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower and co borrower have owned XXX for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $22,308.67 or 19.10 months PITIA, guidelines required 0 months PITIA. |
| 7043114 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 08.04.2022 Clayton to order AVM. | 08/09/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/09/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 31.80% |
| 9001426 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5331 | Most recent FSD score outside of approved variance | No | FSD score of 0.11 is outside of the approved variance | 07/10/2020 Received ARR Report supporting appraisal value. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower is a XXX for 17 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $230,313.51 |
| 9001724 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Minimum Tradelines by guidelines are 3. Borrower has 2 tradelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 qualifying score. Min required per guidelines is700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 14 months when 14 months are required. |
| 9001824 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. Clayton ordered on behalf of client. | 12/31/2021 VRA Desk Review received from XXXX supporting appraisal value. | 12/31/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 58.72 mo. PITI, reserves not required due to 70% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x93, max 0x30x12 |
| 9001835 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Verified assets XXX - cash to close XXX = (XXX) short funds to close. Lender must provide additional assets to cover XXX shortage. | 1/5/22 Unverified assets added supporting sufficient funds to close | 1/5/22 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 51.70%, Max 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 33 years and 3 months at current residence. |
| 9001835 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of XXX and confidence score of 81. AVM FSD of 19, exceeded max of 10. Desk Review required. Clayton ordered on behalf of client. | 1.10.2022- VRA Desk Review received from XXXX supporting appraisal value. | 1.10.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 51.70%, Max 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 33 years and 3 months at current residence. |
| 9001841 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 38.67%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying score. Min required per guidelines is 750. |
| 9001850 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 qualifying score. Min required per guidelines is 776. |
| 9001892 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 qualifying score. Min required per guidelines is 725<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at XXX less cash from borrower XXX equals XXX or 17.59 months PITIA. No reserves required. |
| 9001904 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 exceeds the minimum credit score of 750, 28 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 53 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Cash to close $XXX Post-closing cash reserves $XXX /65.88 months reserves.6 months reserves required. |
| 9001911 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or 22 months PITIA, guidelines required 12 months differential.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 15 years. |
| 9001924 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Clayton ordered on behalf of client | 03/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying score. Min required per guidelines is 750.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during past two years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified post close assets $XXX or 50.96 months PITI. 75% LTV required reserves 6 months $XXX. |
| 9001926 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guideline, A minimum credit depth of three (3) acceptable tradelines aged individually for a minimum of two (2) years is required for LTVs greater than 65%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score. Min required per guidelines is 750. |

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## Exhibit 99.20

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.20**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM1** |
| **Start - End Dates:** | **11/27/2019 - 9/9/2022** |
| **Deal Loan Count:** | **278** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *278* |
| ***Loans with Conditions:*** | *169* |

---

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 10001322 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 1201081 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 237000010 | Yes | XXXXXX | XXXXXX D A C | A | A D B C | A | A | Not Applicable |
| 3001040 | Yes | XXXXXX | XXXXXX D B C A | N/A | N/A D B C | N/A | N/A | Not Applicable |
| 3001059 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 3001083 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 4461238802 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Yes |
| 5002758 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 5002992 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 5002999 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| 5003000 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 5003001 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 5003002 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 5003012 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 5003080 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 5003156 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 5003228 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 5003234 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 5003238 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 5003252 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 5003257 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 5003283 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 5003317 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 5003318 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 5003328 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 5003334 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 5003379 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 5003479 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 5003488 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 5003523 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 5003537 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 5003602 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| 5003637 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 5003641 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 5003654 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 5003655 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 5003663 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 5003669 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 5003704 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7009059 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7017072 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7035196 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7035900 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| 7036046 | Yes | XXXXXX | XXXXXX C B A | B | B C A | B | B | Not Applicable |
| 7036087 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7036143 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7036200 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7036242 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7036365 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 7036368 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7036441 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7036523 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7036556 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7036594 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 7036595 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7036633 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7036649 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7036651 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| 7036700 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 7036736 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7036766 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7036772 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7036781 | Yes | XXXXXX | XXXXXX C A | A | A C B | A | A | No |
| 7036795 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7036821 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7036847 | Yes | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| 7036850 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7036895 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7036900 | Yes | XXXXXX | XXXXXX D C B | A | A D C B | A | A | Not Applicable |
| 7036933 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7036952 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7036969 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7036973 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 7036977 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7037021 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037046 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7037047 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | No |
| 7037062 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7037090 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7037096 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 7037122 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7037142 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | No |
| 7037173 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7037192 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037200 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037232 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037252 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037260 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7037292 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7037293 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7037392 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7037397 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037414 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7037418 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7037457 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7037500 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037510 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C B | N/A | N/A | No |
| 7037515 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | No |
| 7037518 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 7037540 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7037543 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037659 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 7037660 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7037676 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037747 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037788 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7037848 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7037860 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 7037941 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | No |
| 7037997 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7038056 | Yes | XXXXXX | XXXXXX D B C A | A | A D B C | A | A | Not Applicable |
| 7038057 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7038096 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7038138 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7038178 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7038308 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7038326 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7038378 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7038381 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7038626 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 7038638 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7038962 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7038984 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7039090 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039109 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 7039120 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039162 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039171 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039172 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7039235 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039258 | Yes | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 7039261 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039269 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039280 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7039281 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7039282 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7039294 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039303 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039310 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039314 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039322 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039326 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7039327 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7039338 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039342 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 7039398 | Yes | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 7039402 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039407 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | No |
| 7039423 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039433 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7039452 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039473 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039481 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039519 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039525 | Yes | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 7039554 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039564 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7039572 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 7039631 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7039712 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Yes |
| 7039749 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7039751 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039776 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7039817 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039837 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 7039875 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7039955 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7039968 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7039974 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7040036 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 7040048 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7040143 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7040235 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7040310 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7040342 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7040347 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7040537 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 7040874 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7040933 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7041005 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7041063 | Yes | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| 7041108 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7041174 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7041381 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 7041413 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7041589 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 7041720 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 7041783 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| 7041787 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7041858 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7041864 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 7041875 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7041907 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7041937 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7041989 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7041998 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042019 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042027 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042081 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 7042098 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7042110 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042114 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7042132 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 7042171 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 7042173 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042216 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7042220 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | No |
| 7042224 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7042225 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7042233 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 7042235 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 7042276 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7042285 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042288 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 7042289 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7042290 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7042293 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7042305 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7042336 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7042345 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7042361 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 7042364 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 7042371 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042378 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7042382 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042388 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Yes |
| 7042407 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042415 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042424 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042441 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7042471 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 7042480 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7042483 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7042498 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042521 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042522 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042524 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042537 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042548 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042570 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042585 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 7042594 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7042622 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042624 | Yes | XXXXXX | XXXXXX D B A C | D | B D A C | D | B | Not Applicable |
| 7042645 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042647 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7042662 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 7042663 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042666 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7042672 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 7042673 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042684 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042691 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7042694 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042704 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 7042727 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7042729 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042814 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7042828 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7042852 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042886 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042918 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7042993 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 7043009 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7043020 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 7043065 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 7043114 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9001426 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9001724 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9001824 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9001835 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| 9001841 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9001850 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9001892 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9001904 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 9001911 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9001924 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9001926 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |

---

## Exhibit 99.21

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.21**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MFA 2023-NQM1 |
| **Start - End Dates:** | 11/27/2019 - 9/9/2022 |
| **Deal Loan Count:** | 278 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *278* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 4461238802 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 10001322 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10001322 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 10001322 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10001322 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 10001322 | XXXXXX | Total Monthly Income | 18608.00 | 18608.88 |
| 1201081 | XXXXXX | Representative Credit Score for Grading | 793 | 775 |
| 237000010 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 3001040 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 3001040 | XXXXXX | Total Monthly Income | 4583.33 | 0.00 |
| 3001083 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 5002758 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 5002758 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 5002999 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5003000 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 5003002 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 5003156 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5003156 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 5003234 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5003238 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5003238 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 5003252 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 5003283 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| 5003317 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5003318 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 5003334 | XXXXXX | Debt to Income Ratio (Back) | 46.6000 | 43.4846 |
| 5003334 | XXXXXX | Total Monthly Income | 27780.17 | 29798.14 |
| 5003379 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 5003379 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5003379 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 5003537 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 5003537 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5003637 | XXXXXX | Debt to Income Ratio (Back) | 41.8000 | 10.9164 |
| 5003637 | XXXXXX | Total Monthly Income | 16700.00 | 63921.51 |
| 5003641 | XXXXXX | Representative Credit Score for Grading | 697 | 690 |
| 5003663 | XXXXXX | Total Monthly Income | 18762.51 | 18762.52 |
| 7035196 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7035196 | XXXXXX | Total Monthly Income | 18333.33 | 0.00 |
| 7035900 | XXXXXX | Combined LTV | 71.80 | 75.00 |
| 7035900 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7035900 | XXXXXX | Original LTV | 71.80 | 75.00 |
| 7035900 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7036046 | XXXXXX | Total Monthly Income | 42000.00 | 0.00 |
| 7036143 | XXXXXX | Representative Credit Score for Grading | 769 | 775 |
| 7036365 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7036441 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7036523 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7036595 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7036633 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7036633 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 7036649 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7036649 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7036649 | XXXXXX | Representative Credit Score for Grading | 723 | 730 |
| 7036700 | XXXXXX | Debt to Income Ratio (Back) | 31.6000 | 26.5358 |
| 7036700 | XXXXXX | Total Monthly Income | 28139.00 | 33462.68 |
| 7036766 | XXXXXX | Property Type | Condotel | Mid Rise Condo (5-8) |
| 7036772 | XXXXXX | Debt to Income Ratio (Back) | 38.0000 | 27.2528 |
| 7036772 | XXXXXX | Total Monthly Income | 8000.00 | 11155.11 |
| 7036795 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7036795 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 7036821 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7036821 | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 7036847 | XXXXXX | Combined LTV | 48.90 | 51.25 |
| 7036847 | XXXXXX | Debt to Income Ratio (Back) | 27.3000 | 21.5983 |
| 7036847 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7036847 | XXXXXX | Original LTV | 48.90 | 51.25 |
| 7036847 | XXXXXX | Total Monthly Income | 36030.30 | 35842.65 |
| 7036895 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7036895 | XXXXXX | Total Monthly Income | '-2212.74 | 0.00 |
| 7036900 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7036900 | XXXXXX | Property Type | SFR | Manufactured (Sgl) |
| 7036969 | XXXXXX | Representative Credit Score for Grading | 748 | 737 |
| 7036973 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037021 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| 7037021 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| 7037021 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7037021 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7037046 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037047 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037200 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037200 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 7037292 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7037292 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7037293 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 7037397 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037397 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7037457 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037500 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7037510 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7037518 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7037518 | XXXXXX | Total Monthly Income | 464.57 | 0.00 |
| 7037543 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7037660 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037676 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 7037941 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037941 | XXXXXX | Representative Credit Score for Grading | 737 | 715 |
| 7038056 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7038056 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7038096 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 7038178 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7038178 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7038308 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7038326 | XXXXXX | Property Type | Attached PUD | Detached PUD |
| 7038378 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7038381 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7038638 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7038962 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7039171 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7039172 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 7039172 | XXXXXX | Representative Credit Score for Grading | 819 | 721 |
| 7039235 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7039235 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7039261 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 7039269 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 7039280 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7039282 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 7039294 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7039294 | XXXXXX | Representative Credit Score for Grading | 749 | 748 |
| 7039303 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7039314 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7039326 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7039327 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7039402 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7039407 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7039423 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| 7039423 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7039525 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 7039554 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7039554 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7039564 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7039564 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7039572 | XXXXXX | Total Monthly Income | 9480.00 | 0.00 |
| 7039751 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7039776 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 7039837 | XXXXXX | Total Monthly Income | 6262.00 | 0.00 |
| 7039968 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7040036 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7040036 | XXXXXX | Representative Credit Score for Grading | 754 | 705 |
| 7040048 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7040143 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7040310 | XXXXXX | Total Monthly Income | 3825.93 | 0.00 |
| 7040342 | XXXXXX | Combined LTV | 44.60 | 42.90 |
| 7040342 | XXXXXX | Debt to Income Ratio (Back) | 37.1000 | 33.5272 |
| 7040342 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 7040342 | XXXXXX | Original LTV | 44.60 | 42.90 |
| 7040342 | XXXXXX | Property Type | SFR-Attached | SFR |
| 7040342 | XXXXXX | Total Monthly Income | 4987.59 | 5514.68 |
| 7040347 | XXXXXX | Total Monthly Income | 1402.76 | 0.00 |
| 7040933 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7040933 | XXXXXX | Total Monthly Income | 4488.99 | 4536.58 |
| 7041005 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7041005 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7041063 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7041063 | XXXXXX | Total Monthly Income | 243.50 | 0.00 |
| 7041108 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 7041589 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7041589 | XXXXXX | Debt to Income Ratio (Back) | 23.4000 | 29.1642 |
| 7041589 | XXXXXX | Total Monthly Income | 81720.12 | 77321.51 |
| 7041720 | XXXXXX | Total Monthly Income | 9400.95 | 9304.94 |
| 7041858 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7041875 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7041875 | XXXXXX | Total Monthly Income | 314.00 | 0.00 |
| 7041937 | XXXXXX | Total Monthly Income | 116947.49 | 116387.33 |
| 7041989 | XXXXXX | Total Monthly Income | 17000.00 | 17088.66 |
| 7041998 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7042081 | XXXXXX | Total Monthly Income | 5830.71 | 5830.70 |
| 7042110 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7042114 | XXXXXX | Total Monthly Income | 21457.50 | 22705.89 |
| 7042132 | XXXXXX | Debt to Income Ratio (Back) | 31.3000 | 13.3121 |
| 7042132 | XXXXXX | Total Monthly Income | 40000.00 | 96372.68 |
| 7042171 | XXXXXX | Debt to Income Ratio (Back) | 48.5000 | 40.4253 |
| 7042171 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7042171 | XXXXXX | Total Monthly Income | 10600.00 | 11091.96 |
| 7042173 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7042220 | XXXXXX | Debt to Income Ratio (Back) | 44.0000 | 40.9132 |
| 7042220 | XXXXXX | Total Monthly Income | 19892.90 | 21393.85 |
| 7042224 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 7042225 | XXXXXX | Debt to Income Ratio (Back) | 49.3000 | 45.7893 |
| 7042225 | XXXXXX | Total Monthly Income | 5400.64 | 5811.86 |
| 7042233 | XXXXXX | Total Monthly Income | 51319.95 | 51819.99 |
| 7042288 | XXXXXX | Debt to Income Ratio (Back) | 43.9000 | 41.5008 |
| 7042288 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 7042289 | XXXXXX | Debt to Income Ratio (Back) | 44.5000 | 40.5302 |
| 7042290 | XXXXXX | Debt to Income Ratio (Back) | 44.5000 | 40.4957 |
| 7042293 | XXXXXX | Debt to Income Ratio (Back) | 45.8000 | 40.7323 |
| 7042293 | XXXXXX | Total Monthly Income | 339326.73 | 354275.85 |
| 7042336 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 7042345 | XXXXXX | Total Monthly Income | 3838.63 | 3984.97 |
| 7042364 | XXXXXX | Total Monthly Income | 120000.00 | 115706.78 |
| 7042382 | XXXXXX | Property Type | Condotel | Mid Rise Condo (5-8) |
| 7042388 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7042415 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7042415 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 7042441 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 7042471 | XXXXXX | Debt to Income Ratio (Back) | 48.2000 | 40.5830 |
| 7042471 | XXXXXX | Total Monthly Income | 12135.05 | 14427.50 |
| 7042483 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7042483 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 7042498 | XXXXXX | Debt to Income Ratio (Back) | 39.2000 | 25.4583 |
| 7042498 | XXXXXX | Total Monthly Income | 14525.70 | 22150.32 |
| 7042522 | XXXXXX | Debt to Income Ratio (Back) | 18.4000 | 15.1696 |
| 7042522 | XXXXXX | Total Monthly Income | 23000.00 | 43478.17 |
| 7042585 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7042585 | XXXXXX | Total Monthly Income | 103000.00 | 110060.07 |
| 7042594 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7042624 | XXXXXX | Debt to Income Ratio (Back) | 50.2000 | 47.2108 |
| 7042624 | XXXXXX | Total Monthly Income | 14500.00 | 15421.88 |
| 7042645 | XXXXXX | Total Monthly Income | 22379.70 | 22379.88 |
| 7042662 | XXXXXX | Total Monthly Income | 183000.00 | 188216.87 |
| 7042663 | XXXXXX | Total Monthly Income | 21244.68 | 21244.67 |
| 7042666 | XXXXXX | Debt to Income Ratio (Back) | 46.7000 | 51.2236 |
| 7042666 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7042666 | XXXXXX | Total Monthly Income | 28109.84 | 25630.53 |
| 7042673 | XXXXXX | Total Monthly Income | 49169.98 | 49169.97 |
| 7042684 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7042694 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 7042828 | XXXXXX | Total Monthly Income | 18543.00 | 18580.10 |
| 7042993 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| 7042993 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7042993 | XXXXXX | Debt to Income Ratio (Back) | 39.9000 | 37.2040 |
| 7042993 | XXXXXX | Total Monthly Income | 6294.77 | 6654.21 |
| 7043020 | XXXXXX | Total Monthly Income | 29116.51 | 29074.84 |
| 7043065 | XXXXXX | Debt to Income Ratio (Back) | 43.2000 | 38.0377 |
| 7043065 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7043065 | XXXXXX | Total Monthly Income | 6564.87 | 7682.48 |
| 7043114 | XXXXXX | Total Monthly Income | 44965.09 | 44965.10 |
| 9001724 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001724 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 9001824 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001835 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001841 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001841 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 9001850 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001892 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001904 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001911 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001911 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 9001911 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| 9001924 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001926 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001926 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 7017072 | XXXXXX | Total Monthly Income | 9059.87 | 8847.10 |
| 9001426 | XXXXXX | Cash Reserves | 250943.69 | 230313.51 |
| 9001426 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9001426 | XXXXXX | Next Rate Change Date | XXXXXX | XXXXXX |
| 9001426 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 7009059 | XXXXXX | Cash Reserves | 150489.67 | 809410.03 |
| 7009059 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 7009059 | XXXXXX | Next Rate Change Date | XXXXXX | XXXXXX |
| 7009059 | XXXXXX | Origination Channel | Unknown | Broker |
| 7009059 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
|©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.22

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.22**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM1** |
| **Start - End Dates:** | **11/27/2019 - 9/9/2022** |
| **Deal Loan Count:** | **278** |
| **ATR QM Upload** | **ATR QM Upload** |
| Loans in Report: | 278 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 10001322 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0297 | No | No | 1.901 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.86 | 49.86 | 49.86 | 49.86 | 49.86 | 49.86 | Yes | Yes | Yes | 9330.37 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 1201081 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 2.9724 | Yes | Yes | 1.193 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.43 | 39.43 | 39.43 | 39.43 | 39.43 | 39.43 | Yes | Yes | Yes | 15256.6 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 237000010 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14784.25 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 19200.00 | 1.2986 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 3001040 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 5+ Units | 8 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 3.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5447.58 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 68613.00 | No | (No Data) | 1.7495 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 3001059 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 5+ Units | 6 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 5.3751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8518.02 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 99408.00 | No | (No Data) | 1.3149 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 3001083 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 5+ Units | 8 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5339.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 52920.00 | No | (No Data) | 1.0361 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 4461238802 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.6447 | No | No | 1.382 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.39 | 44.39 | 44.39 | 49.12 | 44.39 | 44.39 | No | No | (No Data) | 15726.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 5002758 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1482.34 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0119 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 5002992 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1850.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.5134 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5002999 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1228.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1300.00 | 1.0585 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003000 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1241.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.8523 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003001 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1269.69 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1260.00 | 0.9923 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003002 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9867.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 8000.00 | No | (No Data) | 0.8107 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003012 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2121.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1945.00 | 0.9166 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003080 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1484.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 3.2337 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003156 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB | (No Data) | No | Yes | 1 | 5.5001 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1607.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1400.00 | 0.8710 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003228 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 5.7500 | No | No | 2.3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1734.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1533 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003234 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.7490 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1334.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 613.86 | 0.4598 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003238 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2328.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.9876 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003252 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 5+ Units | 5 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 4.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4340.52 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 6300.00 | No | (No Data) | 1.4514 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 5003257 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1694.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1805 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003283 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.2490 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2722.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.0653 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003317 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2158.62 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2400.00 | 1.1118 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003318 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5109 | Yes | Yes | 1.166 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.14 | 30.14 | 30.14 | 30.14 | 30.14 | 30.14 | Yes | Yes | Yes | 22613.14 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 5003328 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 5.0000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1755.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1800.00 | 1.0254 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003334 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9779 | No | No | 1.088 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.64 | 43.48 | 46.64 | 43.48 | 43.48 | 43.48 | Yes | Yes | Yes | 16840.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 5003379 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 5.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1245.31 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1400.00 | 1.1242 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 5003479 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.7127 | Yes | Yes | 1.702 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.32 | 21.32 | 21.32 | 21.32 | 21.32 | 21.32 | Yes | Yes | Yes | 39338.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 5003488 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0207 | Yes | Yes | 2.212 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.11 | 35.11 | 35.11 | 35.11 | 35.11 | 35.11 | Yes | Yes | Yes | 5039.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003523 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6119 | Yes | Yes | 1.14 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.95 | 35.7 | 35.7 | 35.7 | 35.7 | 35.7 | Yes | Yes | Yes | 17041.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003537 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -972.69 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1000.00 | No | (No Data) | 1.0280 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 5003602 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1299.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1650.00 | 1.2697 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003637 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1737 | Yes | Yes | 1.761 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.78 | 10.92 | 41.78 | 10.92 | 10.92 | 10.92 | Yes | Yes | Yes | 56943.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 5003641 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6965 | Yes | Yes | 1.727 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.9 | 32.8 | 32.9 | 32.8 | 32.8 | 32.8 | Yes | Yes | Yes | 18708.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003654 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7326 | Yes | Yes | 2.12 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.78 | 40.78 | 40.78 | 40.78 | 40.78 | 40.78 | Yes | Yes | Yes | 2867.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003655 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 50.07 | 0 | 50.07 | 50.07 | 50.07 | (No Data) | (No Data) | (No Data) | 4931.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003663 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3858 | Yes | Yes | 2.499 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.69 | 38.69 | 38.69 | 38.69 | 38.69 | 38.69 | Yes | Yes | Yes | 11503.4 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months; | Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 5003669 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2688 | No | No | 2.405 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.97 | 49.97 | 49.97 | 49.97 | 49.97 | 49.97 | Yes | Yes | Yes | 7564.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 5003704 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3126 | No | No | 1.529 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.17 | 46.17 | 46.17 | 46.17 | 46.17 | 46.17 | Yes | Yes | Yes | 5321.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7009059 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2224 | No | No | 2.186 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -7183.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7017072 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7673 | No | Yes | 2.517 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.98 | 44.02 | 42.98 | 44.02 | 44.02 | 44.02 | Yes | Yes | Yes | 4952.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | Award Letter - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 7035196 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.0000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1996.7 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.2521 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 7035900 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2795.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1200.00 | 0.4292 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036046 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3290 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 1.6717 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036087 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2050.46 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0729 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7036143 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2157.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.9271 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036200 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3019.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.1260 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036242 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1718.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.9894 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036365 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 4.2500 | No | No | 2.125 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3985.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 0.9030 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036368 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1629.94 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.7179 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7036441 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1155.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.6007 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036523 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5931.01 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3800.00 | 0.6407 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7036556 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3247.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0471 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036594 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.3751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -885.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 900.00 | No | (No Data) | 1.0162 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036595 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1958.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 0.6892 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036633 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1753.56 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2000.00 | 1.1405 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 7036649 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1723.58 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1296 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7036651 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -966.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1550.00 | 1.6035 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036700 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.1839 | Yes | Yes | 2.09 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.56 | 26.54 | 31.56 | 26.54 | 26.54 | 26.54 | Yes | Yes | Yes | 24583.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7036736 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2359.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.8900 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036766 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.5001 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2681.51 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2590.00 | No | (No Data) | 0.9659 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; |
| 7036772 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.6220 | Yes | Yes | 2.837 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38 | 27.25 | 38 | 27.25 | 27.25 | 27.25 | No | Yes | Yes | 8115.03 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7036781 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1245.1 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.1243 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036795 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2873.04 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.8701 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7036821 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.3751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2681.85 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 2.2373 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7036847 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.3180 | Yes | Yes | 2.274 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.34 | 27.49 | 27.34 | 31.19 | 21.6 | 25.92 | Yes | Yes | Yes | 28101.26 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 15 months; | (No Data) | (No Data) | (No Data) |
| 7036850 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1508.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.3261 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036895 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2212.76 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 0.9942 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 7036900 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Sgl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3410.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 7500.00 | No | (No Data) | 2.1991 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036933 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2510.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.9957 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036952 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2088.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.1013 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036969 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8301.01 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 4900.00 | No | (No Data) | 0.5903 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7036973 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2055.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3570.00 | No | (No Data) | 1.7370 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036977 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2321.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2650.00 | No | (No Data) | 1.1415 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037021 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1976.52 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0119 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037046 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2% of UPB in year 1,2,3,4 | (No Data) | Yes | Yes | 1 | 4.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1733.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.4998 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037047 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5853.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 6750.00 | No | (No Data) | 1.1530 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037062 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.3751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1379.84 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1320.00 | 0.9566 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7037090 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4725.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5600.00 | No | (No Data) | 1.1849 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037096 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5025.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 0.7960 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037122 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.1250 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6336.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 8424.00 | No | (No Data) | 1.3294 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037142 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6455.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 6600.00 | No | (No Data) | 1.0223 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037173 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -667.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1175.00 | No | (No Data) | 1.7599 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037192 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -925 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.7297 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037200 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3061.75 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 4100.00 | 1.3391 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7037232 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2388.99 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2345.00 | No | (No Data) | 0.9818 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037252 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1622.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.6643 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037260 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 2% of UPB if amt prepd is made in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1779.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.6299 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037292 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4986.58 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.2032 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037293 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.3751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2607.17 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3880.00 | No | (No Data) | 1.5050 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037392 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of UPB in year 1,2,3 | (No Data) | Yes | Yes | 1 | 4.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1751.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.3704 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037397 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.0000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2123.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2410.00 | No | (No Data) | 1.1347 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037414 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1923.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.1958 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037418 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2430.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.2345 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037457 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.3751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1758.8 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 0.9097 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037500 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1774.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2625.00 | No | (No Data) | 1.4790 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037510 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.5001 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2750.47 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3420.00 | No | (No Data) | 1.2434 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037515 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3781.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.3223 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037518 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1174.93 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.4469 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037540 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2229.05 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.0543 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037543 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.5001 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1343.71 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1525.00 | No | (No Data) | 1.1349 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 7037659 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2175.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 0.8044 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037660 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 2% of amt prepd in 12 mos if amt prepd is > 2% of OPB | (No Data) | No | Yes | 1 | 5.0000 | No | No | 1.96 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4618.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.7579 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037676 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3275.46 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2950.00 | No | (No Data) | 0.9006 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037747 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.1250 | No | No | 2.05 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1608.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2065.00 | No | (No Data) | 1.2836 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037788 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1515.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.3197 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037848 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2134.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1714 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037860 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2142.37 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 0.8169 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037941 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7172.11 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 1.3942 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037997 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1688.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 0.9181 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038056 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 5+ Units | 6 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5480.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5224.20 | No | (No Data) | 1.3360 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7038057 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2531.71 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.3825 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7038096 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.3741 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1259.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1700.00 | 1.3495 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038138 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3010.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2650.00 | No | (No Data) | 0.8801 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038178 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.3751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1050.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 1.5234 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038308 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6733.73 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3300.00 | 0.4901 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7038326 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1983.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2000.00 | 1.0085 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038378 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2% of UPB in year 1,2,3,4 | (No Data) | Yes | Yes | 1 | 4.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6666.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 4400.00 | No | (No Data) | 0.6600 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038381 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3825.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3500.00 | 0.9150 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038626 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3140.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 6200.00 | No | (No Data) | 1.9742 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038638 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2018.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1875.00 | 0.9288 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038962 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB | (No Data) | No | Yes | 1 | 5.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3027.92 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1800.00 | 0.5945 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7038984 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.5001 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7588.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5250.00 | No | (No Data) | 0.6918 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039090 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2787.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3100.00 | 1.1119 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039109 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1601.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1725.00 | No | (No Data) | 1.0772 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039120 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 5.3751 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1675.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1700.00 | 1.0146 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039162 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of UPB | (No Data) | Yes | Yes | 1 | 4.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2902.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3000.00 | 1.0335 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039171 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB | (No Data) | Yes | Yes | 1 | 5.3843 | No | No | 10.681 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2114.42 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.4187 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7039172 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.6682 | No | No | 9.978 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2488.42 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.8037 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7039235 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB | (No Data) | No | Yes | 1 | 4.2490 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1272 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.1006 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039258 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2248.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.2454 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039261 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3002.18 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.8327 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039269 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2237.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 4600.00 | No | (No Data) | 2.0558 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039280 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2741.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 0.9485 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039281 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6699.45 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 0.5971 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7039282 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | Yes | Yes | 1 | 5.6024 | No | No | 8.626 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4011.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 6730.00 | No | (No Data) | 1.6777 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039294 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1707.17 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.2887 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7039303 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1928.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 4276.00 | No | (No Data) | 2.2168 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039310 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.7698 | No | No | 12.78 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1029.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.4569 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039314 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2235.82 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.0287 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7039322 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2098.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1913 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039326 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1272.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1525.00 | No | (No Data) | 1.1988 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039327 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1307.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1525.00 | 1.1667 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039338 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1529.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1575.00 | No | (No Data) | 1.0295 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039342 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 4.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3786.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.0036 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039398 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2708.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2960.00 | 1.0928 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039402 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1667.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0791 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039407 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1664.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1400.00 | 0.8410 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039423 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.8749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1971.92 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 1.1410 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7039433 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4055.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 4300.00 | No | (No Data) | 1.0602 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039452 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.3751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1813.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.1582 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039473 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1531.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.8939 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039481 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2490.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.7228 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039519 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1587.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 0.9762 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039525 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2858.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 0.9796 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039554 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 5.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4510.19 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 5000.00 | 1.1086 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7039564 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4781.42 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5400.00 | No | (No Data) | 1.1293 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 7039572 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 5.6241 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1330.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1274 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7039631 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.4991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1812.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3516.00 | No | (No Data) | 1.9399 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039712 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5298.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 5750.00 | 1.0851 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039749 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4414.53 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5900.00 | No | (No Data) | 3.2322 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7039751 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.3741 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6917.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 31432.44 | 4.5440 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039776 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1656.69 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2450.00 | 1.4788 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039817 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5286.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 6650.00 | No | (No Data) | 1.2578 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039837 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3065.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.0765 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039875 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1643.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.1559 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039955 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1757.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0530 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7039968 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4162.92 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.9128 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7039974 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4147.38 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.8439 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7040036 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 4.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2578.32 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.0472 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7040048 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -813.68 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1150.00 | 1.4133 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7040143 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3323.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.1582 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7040235 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.9387 | Yes | Yes | 4.694 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.92 | 33.92 | 33.92 | 33.92 | 33.92 | 33.92 | Yes | Yes | Yes | 12797.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7040310 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4102.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.2186 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7040342 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8645 | Yes | Yes | 2.531 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.07 | 33.53 | 37.07 | 33.53 | 33.53 | 33.53 | Yes | Yes | Yes | 3665.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 156 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 156 months; | (No Data) | (No Data) | (No Data) |
| 7040347 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3942.18 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 1.3951 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7040537 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13662.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 12200.00 | No | (No Data) | 0.8929 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7040874 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.9989 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1329.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.5045 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7040933 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3625 | Yes | Yes | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.59 | 36.2 | 36.59 | 36.2 | 36.2 | 36.2 | Yes | Yes | Yes | 2894.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7041005 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1085.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.6574 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041063 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1796.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.7791 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041108 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5140 | No | Yes | 1.574 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3957.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7041174 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2681.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2900.00 | 1.0815 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041381 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2049.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.0021 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041413 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4630 | Yes | Yes | 1.845 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.45 | 39.45 | 39.45 | 39.45 | 39.45 | 39.45 | Yes | Yes | Yes | 15399.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7041589 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.0001 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.16 | 0 | 29.16 | 29.16 | 29.16 | (No Data) | (No Data) | (No Data) | 54771.29 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) |
| 7041720 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.5805 | No | No | 2.658 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.08 | 45.54 | 45.08 | 45.54 | 45.54 | 45.54 | Yes | Yes | Yes | 5067.18 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 7041783 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1440.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0416 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041787 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1516.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2050.00 | No | (No Data) | 1.3520 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041858 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 10.5000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1312.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.3331 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041864 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2404.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0397 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041875 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2780.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.7984 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041907 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2353.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 0.8284 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7041937 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1310 | Yes | Yes | 2.493 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.17 | 6.2 | 6.17 | 6.2 | 6.2 | 6.2 | Yes | Yes | Yes | 109169.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 7041989 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3646 | Yes | Yes | 3.344 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.15 | 38.95 | 39.15 | 38.95 | 38.95 | 38.95 | Yes | Yes | Yes | 10432.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 180 months; | (No Data) | (No Data) | (No Data) |
| 7041998 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.2870 | Yes | Yes | 4.06 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.37 | 40.37 | 40.37 | 40.37 | 40.37 | 40.37 | Yes | Yes | Yes | 5553.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042019 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.8058 | No | No | 3.658 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.73 | 49.73 | 49.73 | 49.73 | 49.73 | 49.73 | Yes | Yes | Yes | 2681.71 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 7042027 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3618 | Yes | Yes | 2.365 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.65 | 37.98 | 37.65 | 37.98 | 37.98 | 37.98 | Yes | Yes | Yes | 33837.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042081 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5578 | No | No | 2.958 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.66 | 48.67 | 48.66 | 48.67 | 48.67 | 48.67 | Yes | Yes | Yes | 2992.64 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 5 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | P & L - 5 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 7042098 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2483.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0070 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7042110 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2752.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.0899 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7042114 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7010 | Yes | Yes | 1.774 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.24 | 24.79 | 26.24 | 24.79 | 24.79 | 24.79 | Yes | Yes | Yes | 17076.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 72 months; | (No Data) | (No Data) | (No Data) |
| 7042132 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.2070 | Yes | Yes | 2.967 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.33 | 13.31 | 31.33 | 13.31 | 13.31 | 13.31 | Yes | Yes | Yes | 83543.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 7042171 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.8076 | No | No | 3.122 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.53 | 46.38 | 48.53 | 46.38 | 40.43 | 44.45 | Yes | Yes | Yes | 6608 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 9 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 9 months;<br> CPA Letter with Income - 12 months;<br> Personal Bank Statements - 3 months; | (No Data) | (No Data) | (No Data) |
| 7042173 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.2024 | No | No | 4.145 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.81 | 44.76 | 44.81 | 44.76 | 44.76 | 44.76 | Yes | Yes | Yes | 8286.66 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042216 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6392 | No | No | 1.17 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.71 | 46.86 | 46.71 | 46.86 | 46.86 | 46.86 | Yes | Yes | Yes | 10998.24 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) |
| 7042220 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 4 Family | 4 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1424 | Yes | No | 2.544 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44 | 40.91 | 44 | 40.91 | 40.91 | 40.91 | Yes | Yes | Yes | 12640.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7042224 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2627.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 0.9134 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7042225 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1527 | No | No | 3.788 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.29 | 45.79 | 49.29 | 45.79 | 45.79 | 45.79 | Yes | Yes | Yes | 3150.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 5 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 4 months;<br> Business Tax Return - 24 months;<br> P & L - 5 months; | (No Data) | (No Data) | (No Data) |
| 7042233 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.37 | 0 | 32.37 | 32.37 | 32.37 | (No Data) | (No Data) | (No Data) | 35044.19 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 147 | No | (No Data) | Yes | 108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 147 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 108 months; | (No Data) | (No Data) |
| 7042235 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1694.62 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2650.00 | No | (No Data) | 1.5638 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7042276 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9038 | Yes | Yes | 2.388 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.63 | 41.63 | 41.63 | 41.63 | 41.63 | 41.63 | Yes | Yes | Yes | 5122.39 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 3 months; | Business Bank Statements - 3 months; | (No Data) | (No Data) |
| 7042285 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2638.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.0612 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7042288 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.5 | 0 | 41.5 | 41.5 | 41.5 | (No Data) | (No Data) | (No Data) | 207248.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 348 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 348 months; | (No Data) | (No Data) | (No Data) |
| 7042289 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.53 | 0 | 40.53 | 40.53 | 40.53 | (No Data) | (No Data) | (No Data) | 210686.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 348 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 348 months; | (No Data) | (No Data) | (No Data) |
| 7042290 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.5 | 0 | 40.5 | 40.5 | 40.5 | (No Data) | (No Data) | (No Data) | 210809.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 348 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 348 months; | (No Data) | (No Data) | (No Data) |
| 7042293 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.73 | 0 | 40.73 | 40.73 | 40.73 | (No Data) | (No Data) | (No Data) | 209971.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 348 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 348 months; | (No Data) | (No Data) | (No Data) |
| 7042305 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5168 | No | No | 1.109 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.56 | 49.56 | 49.56 | 49.56 | 49.56 | 49.56 | Yes | Yes | Yes | 14559.09 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 4 | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 4 months;<br> CPA Letter without Income - 72 months; | Business Bank Statements - 4 months;<br> CPA Letter without Income - 72 months; | (No Data) | (No Data) |
| 7042336 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1577.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1751.00 | No | (No Data) | 1.1097 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7042345 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3546 | No | No | 0.862 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.99 | 48.15 | 49.99 | 48.15 | 48.15 | 48.15 | Yes | Yes | Yes | 2066.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 7042361 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2812 | Yes | Yes | 1.645 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.15 | 34.15 | 34.15 | 34.15 | 34.15 | 34.15 | Yes | Yes | Yes | 18627 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042364 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0012 | Yes | Yes | 1.121 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.75 | 12.09 | 11.75 | 12.09 | 12.09 | 12.09 | Yes | Yes | Yes | 101721.69 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 7042371 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.4738 | No | No | 3.488 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.58 | 46.58 | 49.58 | 46.58 | 46.58 | 46.58 | Yes | Yes | Yes | 2880.59 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months; | Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 7042378 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1354 | Yes | Yes | 2.686 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.15 | 35.73 | 36.15 | 35.73 | 35.73 | 35.73 | Yes | Yes | Yes | 37321.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7042382 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3695.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 6750.00 | No | (No Data) | 1.8267 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7042388 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6870.09 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 7870.00 | No | (No Data) | 1.1455 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7042407 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2967 | Yes | Yes | 1.764 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.6 | 19.6 | 19.6 | 19.6 | 19.6 | 19.6 | Yes | Yes | Yes | 32964.16 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 7042415 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7774.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 10500.00 | No | (No Data) | 1.3505 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7042424 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9818 | No | No | 1.984 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.76 | 49.76 | 49.76 | 49.76 | 49.76 | 49.76 | Yes | Yes | Yes | 3084.28 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 12 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 7042441 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.4525 | No | No | 4.641 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.99 | 44.99 | 44.99 | 44.99 | 44.99 | 44.99 | Yes | Yes | Yes | 3704.79 | Yes | XXXXXX | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042471 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.4583 | Yes | No | 2.82 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.25 | 40.58 | 48.25 | 40.58 | 40.58 | 40.58 | Yes | Yes | Yes | 8572.39 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> CPA Letter without Income - 24 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7042480 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0257 | Yes | Yes | 0.182 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.89 | 23.89 | 23.89 | 23.89 | 23.89 | 23.89 | Yes | Yes | Yes | 26637.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7042483 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2578 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3280.00 | 1.2723 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7042498 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.2420 | Yes | Yes | 3.652 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.23 | 25.46 | 39.29 | 25.46 | 25.46 | 25.46 | Yes | Yes | Yes | 16511.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 132 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 132 months; | (No Data) | (No Data) | (No Data) |
| 7042521 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9242 | No | No | 3.834 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.82 | 44.82 | 44.82 | 44.82 | 44.82 | 44.82 | Yes | Yes | Yes | 3310.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 120 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042522 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2481 | Yes | Yes | 2.369 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.36 | 15.17 | 18.36 | 15.17 | 15.17 | 15.17 | No | Yes | Yes | 36882.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7042524 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1765.13 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 0.9914 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7042537 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0874 | Yes | Yes | 2.976 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.42 | 17.42 | 17.42 | 17.42 | 17.42 | 17.42 | Yes | Yes | Yes | 54833.36 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 276 | No | (No Data) | Yes | 276 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 276 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 276 months; | (No Data) | (No Data) |
| 7042548 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.9318 | No | No | 2.475 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.36 | 45.36 | 45.36 | 45.36 | 45.36 | 45.36 | Yes | Yes | Yes | 7007.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7042570 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.3414 | Yes | Yes | 3.042 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.53 | 40.53 | 40.53 | 40.53 | 40.53 | 40.53 | Yes | Yes | Yes | 15549.42 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 7042585 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.8759 | Yes | Yes | 3.275 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.23 | 5.79 | 6.23 | 5.79 | 5.79 | 5.79 | Yes | Yes | Yes | 103687.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7042594 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2567.54 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0126 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7042622 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5523 | Yes | Yes | 2.316 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.85 | 33.85 | 33.85 | 33.85 | 33.85 | 33.85 | Yes | Yes | Yes | 15094.47 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 7042624 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1067 | No | No | 2.2 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.21 | 47.21 | 50.21 | 47.21 | 47.21 | 47.21 | Yes | Yes | Yes | 8141.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7042645 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4381 | Yes | Yes | 2.392 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.95 | 22.95 | 22.95 | 22.95 | 22.95 | 22.95 | Yes | Yes | Yes | 17243.15 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042647 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 10.9308 | Yes | Yes | 2.757 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.22 | 30.2 | 30.2 | 30.2 | 30.2 | 30.2 | Yes | Yes | Yes | 13545.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042662 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2694 | Yes | Yes | 2.437 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 2.73 | 2.64 | 2.73 | 2.64 | 2.64 | 2.64 | Yes | Yes | Yes | 183241.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042663 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6803 | Yes | Yes | 1.708 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.84 | 30.84 | 30.84 | 30.84 | 30.84 | 30.84 | Yes | Yes | Yes | 14691.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042666 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3650 | No | No | 1.121 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.71 | 51.22 | 46.71 | 51.22 | 51.22 | 51.22 | Yes | Yes | Yes | 12501.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7042672 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.3586 | Yes | Yes | 2.894 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.44 | 40.65 | 42.44 | 40.65 | 40.65 | 40.65 | Yes | Yes | Yes | 2720.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7042673 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0212 | No | No | 1.443 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.57 | 47.13 | 45.57 | 45.03 | 45.03 | 45.03 | Yes | Yes | Yes | 27029.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042684 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2550 | No | No | 2.284 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.73 | 49.73 | 49.73 | 49.73 | 49.73 | 49.73 | Yes | Yes | Yes | 4356.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 84 months; | (No Data) | (No Data) | (No Data) |
| 7042691 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1916 | Yes | Yes | 3.605 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.83 | 35.83 | 35.83 | 35.83 | 35.83 | 35.83 | Yes | Yes | Yes | 6907.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 7042694 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1240 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1712.13 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0513 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7042704 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0509 | No | No | 2.732 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.26 | 50.26 | 50.26 | 50.26 | 50.26 | 50.26 | Yes | Yes | Yes | 5523.37 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 2 months; | Award Letter - 12 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 7042727 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.0445 | Yes | Yes | 3.527 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.6 | 25.74 | 25.6 | 25.74 | 25.74 | 25.74 | Yes | Yes | Yes | 16848.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7042729 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.6969 | Yes | Yes | 2.596 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.67 | 28.67 | 28.67 | 28.67 | 28.67 | 28.67 | Yes | Yes | Yes | 8589.85 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 7042814 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.6298 | Yes | Yes | 3.22 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.26 | 35.26 | 35.26 | 35.26 | 35.26 | 35.26 | Yes | Yes | Yes | 9335.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7042828 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6670 | No | No | 1.5 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.35 | 48.25 | 48.35 | 48.25 | 48.25 | 48.25 | Yes | Yes | Yes | 9614.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7042852 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3676 | No | No | 1.37 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.88 | 49.88 | 49.88 | 49.88 | 49.88 | 49.88 | Yes | Yes | Yes | 12385.63 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 7042886 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.3657 | Yes | Yes | 3.096 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.44 | 40.44 | 40.44 | 40.44 | 40.44 | 40.44 | Yes | Yes | Yes | 4093.87 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5 | Yes | 5 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 29 | Yes | 29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 5 months;<br> Written VOE - 29 months; | Paystub - 5 months;<br> Written VOE - 29 months; | (No Data) | (No Data) |
| 7042918 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.0785 | Yes | Yes | 3.409 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.15 | 15.72 | 17.15 | 15.72 | 15.72 | 15.72 | Yes | Yes | Yes | 16753.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months; | (No Data) | (No Data) | (No Data) |
| 7042993 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.0434 | Yes | Yes | 3.732 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.86 | 37.2 | 39.86 | 37.2 | 37.2 | 37.2 | Yes | Yes | Yes | 4178.58 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 30 months; | (No Data) | (No Data) | (No Data) |
| 7043009 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.0181 | No | No | 3.575 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.19 | 50.19 | 50.19 | 50.19 | 50.19 | 50.19 | Yes | Yes | Yes | 2992.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) | (No Data) |
| 7043020 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4506 | Yes | Yes | 1.929 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.28 | 22.42 | 23.28 | 22.42 | 22.42 | 22.42 | Yes | Yes | Yes | 22556.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7043065 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8638 | Yes | No | 2.048 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.25 | 38.04 | 43.25 | 38.04 | 38.04 | 38.04 | Yes | Yes | Yes | 4760.24 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 7043114 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.0927 | Yes | Yes | 1.91 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.8 | 31.8 | 31.8 | 31.8 | 31.8 | 31.8 | Yes | Yes | Yes | 30665.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 86 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 86 months; | (No Data) | (No Data) | (No Data) |
| 9001426 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4359 | Yes | Yes | 2.906 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.99 | 36.61 | 36.99 | 40.2 | 36.61 | 36.61 | No | No | (No Data) | 20566.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 9001724 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2% of OPB in year 1,2 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4866.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3800.00 | 0.7810 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 9001824 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 4.5000 | No | No | 2.25 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1946.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.2327 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 9001835 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 5.1250 | No | No | 2.05 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5490.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 0.7103 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 9001841 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 20% of OPB if amt prepd in 12 mos is >20% of UPB | (No Data) | Yes | Yes | 1 | 4.3750 | No | No | 16.171 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2370.62 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3000.00 | 1.2655 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 9001850 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2.5% of Amt Prepd > 20% of OPB | (No Data) | No | Yes | 1 | 4.5000 | No | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10599.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 0.9435 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 9001892 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1685.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.3643 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 9001904 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 2%, 1% of amt prepd in year 1,2 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2072.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.0131 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 9001911 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 4.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2831.9 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2650.00 | No | (No Data) | 0.9357 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 9001924 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1656.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.2076 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 9001926 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5 mos interest on amt prepd in 12 mos >20% of OPB | (No Data) | No | Yes | 1 | 5.8750 | No | No | 1.958 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4477.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.7147 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.23

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.23**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM1** |
| **Start - End Dates:** | **11/27/2019 - 9/9/2022** |
| **Deal Loan Count:** | **278** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *278* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 10001322 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10090 | XXXXXX | 6.0297 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 9330.37 |
| 1201081 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14990.5 | XXXXXX | 2.9724 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 15256.6 |
| 237000010 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 96000 | XXXXXX | 7.2499 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 3001040 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 34750 | XXXXXX | 3.875 | Unemployed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 3001059 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 56250 | XXXXXX | 5.3751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3001083 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22400 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 4461238802 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15800 | XXXXXX | 4.6447 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 5002758 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6000 | XXXXXX | 4.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 5002992 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15750 | XXXXXX | 4.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5002999 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3330 | XXXXXX | 5.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003000 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 2688 | XXXXXX | 5.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003001 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3720 | XXXXXX | 5.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003002 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003012 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9000 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003080 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8437.5 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003156 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6142.5 | XXXXXX | 5.5001 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 5003228 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5060 | XXXXXX | 5.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003234 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9345 | XXXXXX | 5.749 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003238 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15200 | XXXXXX | 4.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003252 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 32250 | XXXXXX | 4.125 | Unemployed | Employed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 5003257 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8800 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003283 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17600 | XXXXXX | 5.249 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 5003317 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17500 | XXXXXX | 4.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003318 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9920 | XXXXXX | 8.5109 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 22613.14 |
| 5003328 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9800 | XXXXXX | 5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003334 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18795 | XXXXXX | 5.9779 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16840.54 |
| 5003379 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6664 | XXXXXX | 5.75 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 5003479 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12965 | XXXXXX | 9.7127 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 39338.2 |
| 5003488 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4270.25 | XXXXXX | 8.0207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5039.37 |
| 5003523 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11795 | XXXXXX | 6.6119 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 17041.58 |
| 5003537 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 5003602 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8575 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003637 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12940 | XXXXXX | 7.1737 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 56934.56 |
| 5003641 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9357.5 | XXXXXX | 8.6965 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 18708.83 |
| 5003654 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4715 | XXXXXX | 7.7326 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2867.8 |
| 5003655 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16400 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003663 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11195 | XXXXXX | 7.3858 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 11503.4 |
| 5003669 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8945 | XXXXXX | 8.2688 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7564.44 |
| 5003704 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5670 | XXXXXX | 8.3126 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5321.64 |
| 7009059 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18095 | XXXXXX | 6.2224 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7017072 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6695 | XXXXXX | 7.7673 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5151.57 |
| 7035196 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4351.2 | XXXXXX | 5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7035900 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10170 | XXXXXX | 4.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036046 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13416 | XXXXXX | 4.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7036087 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6949.5 | XXXXXX | 4.875 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7036143 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8880 | XXXXXX | 4.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036200 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9346.5 | XXXXXX | 4.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7036242 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5400 | XXXXXX | 4.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036365 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13536.25 | XXXXXX | 4.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036368 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6090 | XXXXXX | 4.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7036441 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4077.6 | XXXXXX | 4.75 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7036523 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 26250 | XXXXXX | 4.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7036556 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15405 | XXXXXX | 4.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036594 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.3751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036595 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11375 | XXXXXX | 4.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036633 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4560 | XXXXXX | 4.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7036649 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5160 | XXXXXX | 4.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7036651 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4020 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036700 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 29155 | XXXXXX | 5.1839 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 24583.08 |
| 7036736 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7806 | XXXXXX | 5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036766 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6048 | XXXXXX | 5.5001 | Unemployed | Employed | Non-Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7036772 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14643.75 | XXXXXX | 4.622 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 8115.03 |
| 7036781 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3255 | XXXXXX | 5.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7036795 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7245 | XXXXXX | 4.625 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7036821 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7557 | XXXXXX | 5.3751 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7036847 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 25312.5 | XXXXXX | 4.318 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 28101.36 |
| 7036850 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5070 | XXXXXX | 4.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036895 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6804 | XXXXXX | 5 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7036900 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16575 | XXXXXX | 4.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036933 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7350 | XXXXXX | 4.875 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7036952 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6930 | XXXXXX | 4.875 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7036969 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 44850 | XXXXXX | 4.25 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7036973 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14500 | XXXXXX | 5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036977 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7539 | XXXXXX | 4.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7037021 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5628 | XXXXXX | 4.875 | Employed | Employed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7037046 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8750 | XXXXXX | 4.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7037047 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21384 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037062 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.3751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7037090 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20182.5 | XXXXXX | 4.5 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7037096 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 33600 | XXXXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037122 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20160 | XXXXXX | 5.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037142 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 27300 | XXXXXX | 5.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037173 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5062.5 | XXXXXX | 4.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037192 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4620 | XXXXXX | 4.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037200 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15000 | XXXXXX | 4.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7037232 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6958.5 | XXXXXX | 4.875 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7037252 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 4.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037260 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7200 | XXXXXX | 4.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037292 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 4.875 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7037293 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7140 | XXXXXX | 5.3751 | Unemployed | Employed | Non-Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7037392 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 4.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037397 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8034 | XXXXXX | 5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037414 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6384 | XXXXXX | 4.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7037418 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12075 | XXXXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037457 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4350 | XXXXXX | 5.3751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7037500 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7860 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037510 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8505 | XXXXXX | 5.5001 | Unemployed | Unemployed | Non-Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7037515 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13387.5 | XXXXXX | 4.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037518 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3412.5 | XXXXXX | 5.875 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7037540 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8652 | XXXXXX | 4.5 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7037543 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3570 | XXXXXX | 5.5001 | Unemployed | Employed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7037659 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14212.5 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037660 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11025 | XXXXXX | 5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037676 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10080 | XXXXXX | 4.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7037747 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4570.48 | XXXXXX | 5.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037788 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6132 | XXXXXX | 4.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7037848 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037860 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14025 | XXXXXX | 4.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7037941 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 57220 | XXXXXX | 4.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7037997 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6187.5 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7038056 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 40625 | XXXXXX | 5.875 | Unemployed | Unemployed | Non-Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7038057 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11445 | XXXXXX | 4.875 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7038096 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9150 | XXXXXX | 5.3741 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7038138 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12600 | XXXXXX | 4.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7038178 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4410 | XXXXXX | 5.3751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7038308 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25200 | XXXXXX | 5.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7038326 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12600 | XXXXXX | 5.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7038378 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 49000 | XXXXXX | 4.75 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7038381 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23380 | XXXXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7038626 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17465 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7038638 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12100 | XXXXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7038962 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13500 | XXXXXX | 5.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7038984 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 31837.5 | XXXXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039090 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22750 | XXXXXX | 4 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039109 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7525 | XXXXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039120 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4789.2 | XXXXXX | 5.3751 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7039162 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19250 | XXXXXX | 4.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7039171 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25345.76 | XXXXXX | 5.3843 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7039172 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21004.64 | XXXXXX | 5.6682 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7039235 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6000 | XXXXXX | 4.249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039258 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039261 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16275 | XXXXXX | 5.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7039269 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17500 | XXXXXX | 4.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039280 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039281 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 54000 | XXXXXX | 4.75 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7039282 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 44084.25 | XXXXXX | 5.6024 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039294 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14512.5 | XXXXXX | 4 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7039303 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8768.6 | XXXXXX | 5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039310 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16740.9 | XXXXXX | 5.7698 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039314 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13475 | XXXXXX | 5.5001 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7039322 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16900 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039326 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13000 | XXXXXX | 4.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039327 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13000 | XXXXXX | 4.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039338 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8437.5 | XXXXXX | 4 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039342 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24480 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039398 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 4.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039402 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 5.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039407 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12950 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039423 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15225 | XXXXXX | 4.8749 | Employed | Employed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7039433 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23550 | XXXXXX | 4.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039452 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10425 | XXXXXX | 5.3751 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7039473 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5062.5 | XXXXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039481 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13860 | XXXXXX | 5.6251 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7039519 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11175 | XXXXXX | 5.125 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7039525 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14875 | XXXXXX | 4.999 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7039554 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25375 | XXXXXX | 5.125 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7039564 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 31150 | XXXXXX | 5.5001 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7039572 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6000 | XXXXXX | 5.6241 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7039631 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9075 | XXXXXX | 5.4991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039712 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 48750 | XXXXXX | 4 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039749 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 4.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7039751 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 52500 | XXXXXX | 5.3741 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039776 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11400 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039817 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 31500 | XXXXXX | 5.5001 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7039837 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25800 | XXXXXX | 4.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039875 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8625 | XXXXXX | 5.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7039955 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11200 | XXXXXX | 5.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7039968 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 27125 | XXXXXX | 5.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7039974 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 27137.5 | XXXXXX | 5.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7040036 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11500 | XXXXXX | 4.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7040048 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5365 | XXXXXX | 5.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7040143 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9375 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7040235 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12295 | XXXXXX | 5.9387 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | 12797.51 |
| 7040310 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 26500 | XXXXXX | 5.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7040342 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6915 | XXXXXX | 5.8645 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3665.76 |
| 7040347 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25500 | XXXXXX | 5.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7040537 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 100500 | XXXXXX | 5.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7040874 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 5.9989 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7040933 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.3625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2846.6 |
| 7041005 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5525 | XXXXXX | 8.625 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7041063 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9750 | XXXXXX | 8.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7041108 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6322.78 | XXXXXX | 8.514 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7041174 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13750 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7041381 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7440 | XXXXXX | 8.0001 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7041413 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10669 | XXXXXX | 8.463 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 15399.66 |
| 7041589 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 41250 | XXXXXX | 8.0001 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7041720 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10190 | XXXXXX | 10.5805 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5067.18 |
| 7041783 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7041787 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7041858 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3024 | XXXXXX | 10.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7041864 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10000 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7041875 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10222 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7041907 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10320 | XXXXXX | 8.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7041937 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18269 | XXXXXX | 7.131 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 109169.58 |
| 7041989 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14695 | XXXXXX | 8.3646 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10432.82 |
| 7041998 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13195 | XXXXXX | 7.287 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5553.2 |
| 7042019 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7375 | XXXXXX | 8.8058 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | 2681.71 |
| 7042027 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 51076.25 | XXXXXX | 7.3618 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 34016.41 |
| 7042081 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10132.5 | XXXXXX | 7.5578 | Employed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | Yes | 2993.48 |
| 7042098 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13750 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042110 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042114 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9507.5 | XXXXXX | 7.701 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 17076.17 |
| 7042132 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24182.75 | XXXXXX | 9.207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 83543.41 |
| 7042171 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14886.88 | XXXXXX | 6.8076 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6608 |
| 7042173 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23820 | XXXXXX | 8.2024 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8286.66 |
| 7042216 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9710 | XXXXXX | 8.6392 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | 11028.16 |
| 7042220 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24035.92 | XXXXXX | 6.1424 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12640.94 |
| 7042224 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11895 | XXXXXX | 6.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7042225 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12020 | XXXXXX | 8.1527 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 3150.65 |
| 7042233 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 30400 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7042235 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9275 | XXXXXX | 7.1251 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7042276 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9495 | XXXXXX | 6.9038 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5122.39 |
| 7042285 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15375 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042288 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 67200 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042289 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 49700 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042290 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 49000 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042293 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 49840 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042305 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15295 | XXXXXX | 6.5168 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 14559.69 |
| 7042336 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4134 | XXXXXX | 8.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042345 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2139.7 | XXXXXX | 6.3546 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2066.09 |
| 7042361 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18416.75 | XXXXXX | 6.2812 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 18627 |
| 7042364 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16545 | XXXXXX | 6.0012 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 101721.69 |
| 7042371 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7175.88 | XXXXXX | 6.4738 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 2880.59 |
| 7042378 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18119 | XXXXXX | 6.1354 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 37321.85 |
| 7042382 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14840 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042388 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 38920 | XXXXXX | 6.8749 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7042407 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9770 | XXXXXX | 6.2967 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 32964.16 |
| 7042415 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 35200 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7042424 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6790 | XXXXXX | 8.9818 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3084.28 |
| 7042441 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10595 | XXXXXX | 6.4525 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3704.79 |
| 7042471 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9525.3 | XXXXXX | 9.4583 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8572.41 |
| 7042480 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1295 | XXXXXX | 8.0257 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 26637.48 |
| 7042483 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12250 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7042498 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16268.13 | XXXXXX | 7.242 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16492.37 |
| 7042521 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4045 | XXXXXX | 7.9242 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3310.19 |
| 7042522 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9842 | XXXXXX | 7.2481 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 36882.71 |
| 7042524 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6156 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7042537 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 31510 | XXXXXX | 7.0874 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 54833.36 |
| 7042548 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7247.81 | XXXXXX | 9.9318 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7007.74 |
| 7042570 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20809.25 | XXXXXX | 9.3414 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 15549.42 |
| 7042585 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21653 | XXXXXX | 8.8759 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 103687.9 |
| 7042594 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16250 | XXXXXX | 8.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7042622 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12405 | XXXXXX | 7.5523 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 15094.47 |
| 7042624 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18575 | XXXXXX | 8.1067 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8141.09 |
| 7042645 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8841 | XXXXXX | 8.4381 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 17243.15 |
| 7042647 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15132.5 | XXXXXX | 10.9308 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13545.1 |
| 7042662 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8295 | XXXXXX | 8.2694 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 183241.83 |
| 7042663 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12275 | XXXXXX | 7.6803 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14691.82 |
| 7042666 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13255 | XXXXXX | 7.365 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16656.99 |
| 7042672 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4571 | XXXXXX | 9.3586 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2720.03 |
| 7042673 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21295 | XXXXXX | 8.0212 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 27029 |
| 7042684 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8193.63 | XXXXXX | 8.255 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 52219.7 |
| 7042691 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4695 | XXXXXX | 8.1916 | Retired | (No Data) | U.S. Citizen | (No Data) | No | Yes | 6907.13 |
| 7042694 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5740 | XXXXXX | 8.124 | Unemployed | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7042704 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8534.38 | XXXXXX | 8.0509 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | Yes | 2240.64 |
| 7042727 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10964 | XXXXXX | 10.0445 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16848.3 |
| 7042729 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6245 | XXXXXX | 9.6969 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8589.85 |
| 7042814 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12665 | XXXXXX | 9.6298 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9335.92 |
| 7042828 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13740 | XXXXXX | 8.667 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9614.65 |
| 7042852 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18170 | XXXXXX | 7.3676 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12385.63 |
| 7042886 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7295 | XXXXXX | 10.3657 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4093.87 |
| 7042918 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8195 | XXXXXX | 7.0785 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16753.77 |
| 7042993 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8135 | XXXXXX | 9.0434 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4178.58 |
| 7043009 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6451.25 | XXXXXX | 8.0181 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2992.6 |
| 7043020 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9135 | XXXXXX | 7.4506 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22556.54 |
| 7043065 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2590 | XXXXXX | 7.8638 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | 5210.57 |
| 7043114 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16295 | XXXXXX | 9.0927 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 30665.02 |
| 9001426 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27340 | XXXXXX | 6.4359 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9001724 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22800 | XXXXXX | 4.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9001824 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7008.75 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9001835 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14862.5 | XXXXXX | 5.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9001841 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 37515.52 | XXXXXX | 4.375 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9001850 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 32800 | XXXXXX | 4.5 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9001892 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11795 | XXXXXX | 4.125 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9001904 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3840 | XXXXXX | 5.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9001911 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13300 | XXXXXX | 4.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9001924 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6322.5 | XXXXXX | 4.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9001926 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8440.42 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

---

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## Exhibit 99.24

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.24**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MFA 2023-NQM1 |
| **Start - End Dates:** | 11/27/2019 - 9/9/2022 |
| **Deal Loan Count:** | 278 |
| **Valuations Summary** |  |
| *Loans in Report:* | *278* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 10001322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 3.92% | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | 3.73% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 1201081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 237000010 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -88.36% | Collateral Analytics | 32.000 | 68.00 | XXXXXX | XXXXXX | XXXXXX | -2.81% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -91.68% | (No Data) |
| 3001040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 3001059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  | XXXXXX | XXXXXX | XXXXXX | 1.05% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 3001083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -36.63% | Collateral Analytics | 12.000 | 88.00 | XXXXXX | XXXXXX | XXXXXX | 2.13% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 4461238802 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5002758 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 14.47% | Collateral Analytics | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5002992 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.11% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5002999 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.13% | Collateral Analytics | 19.000 | 81.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003000 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 16.25% | Collateral Analytics | 11.000 | 89.00 | XXXXXX | XXXXXX | XXXXXX | 5.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 22.35% | Collateral Analytics | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | -2.23% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003002 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 1.14% | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | 7.18% | Veros | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -14.20% | Collateral Analytics | 19.000 | 81.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.35% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.86% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.79% | Veros | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.61% | Collateral Analytics | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 0.37% | (No Data) |
| 5003238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.03% | Black Knight | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.91% | Collateral Analytics | 11.000 | 89.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.23% | Collateral Analytics | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.50% | Black Knight | 10.000 | 90.00 | XXXXXX | XXXXXX | XXXXXX | -1.33% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.86% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 24.56% | Collateral Analytics | 21.000 | 79.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 12.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 12.61% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.50% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 28.92% | Veros | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 12.93% | Collateral Analytics | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.60% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.31% | Collateral Analytics | 22.000 | 78.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.01% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.90% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.71% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.22% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.03% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.08% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.05% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7009059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 25.12% | Collateral Analytics | 1.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7017072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7035196 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 19.39% | Clear Capital | 4.400 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7035900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.17% | Collateral Analytics | 25.000 | 75.00 | XXXXXX | XXXXXX | XXXXXX | -5.08% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -13.49% | Collateral Analytics | 5.000 | 95.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.51% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 17.32% | Clear Capital | 13.900 | 86.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.75% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 6.67% | (No Data) |
| 7036365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -12.08% | Veros | 3.000 | 97.00 | XXXXXX | XXXXXX | XXXXXX | -6.25% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -12.07% | Collateral Analytics | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.70% | Collateral Analytics | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.89% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.42% | Black Knight | 10.000 | 90.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.31% | Clear Capital | 3.300 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.69% | Black Knight | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.07% | Black Knight | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.55% | Collateral Analytics | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -40.54% | Collateral Analytics | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | -1.23% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036736 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 21.24% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.55% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -18.81% | Clear Capital | 6.500 | 94.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036821 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036847 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -25.88% | Collateral Analytics | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.75% | Collateral Analytics | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.14% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -18.35% | Collateral Analytics | 32.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | -11.18% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -29.41% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.86% | Collateral Analytics | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.55% | Veros | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -57.83% | Collateral Analytics | 21.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036973 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.71% | Collateral Analytics | 14.000 | 86.00 | XXXXXX | XXXXXX | XXXXXX | -8.24% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.36% | Clear Capital | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.75% | Collateral Analytics | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.90% | Clear Capital | 9.400 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -31.28% | Collateral Analytics | 16.000 | 84.00 | XXXXXX | XXXXXX | XXXXXX | -1.77% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.43% | Collateral Analytics | 14.000 | 86.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -19.89% | Clear Capital | 18.000 | 82.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.83% | Veros | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.72% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -22.69% | Collateral Analytics | 16.000 | 84.00 | XXXXXX | XXXXXX | XXXXXX | -1.54% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -54.00% | Collateral Analytics | 18.000 | 82.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.76% | Clear Capital | 9.800 | 90.20 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Field Review | XXXXXX | XXXXXX | XXXXXX | 3.46% | Veros | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.20% | Collateral Analytics | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.55% | Black Knight | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 19.35% | Clear Capital | 12.900 | 87.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.85% | Collateral Analytics | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.04% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.43% | Collateral Analytics | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 64.49% | Collateral Analytics | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.27% | Black Knight | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -10.67% | Clear Capital | 4.900 | 95.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -22.50% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 37.50% | Clear Capital | 8.800 | 91.20 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.21% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037543 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.24% | Clear Capital | 13.000 | 87.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037660 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 42.05% | Collateral Analytics | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 5.77% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.25% | Collateral Analytics | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.56% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037788 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.22% | Black Knight | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.60% | Collateral Analytics | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -23.18% | Collateral Analytics | 16.000 | 84.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.45% | Collateral Analytics | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038057 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.52% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -7.52% | (No Data) |
| 7038096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 32.29% | Collateral Analytics | 34.000 | 66.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.71% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 31.43% | Collateral Analytics | 33.000 | 67.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.25% | Collateral Analytics | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | -5.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -22.78% | Collateral Analytics | 28.000 | 72.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.84% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.36% | Veros | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.20% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.73% | Collateral Analytics | 11.000 | 89.00 | XXXXXX | XXXXXX | XXXXXX | -1.22% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038962 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.83% | Collateral Analytics | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.83% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -19.65% | Collateral Analytics | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.14% | Collateral Analytics | 12.000 | 94.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.59% | Black Knight | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.55% | Black Knight | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.34% | Black Knight | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.43% | Collateral Analytics | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.10% | Collateral Analytics | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.25% | Collateral Analytics | 16.000 | 84.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -10.00% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -17.11% | Collateral Analytics | 29.000 | 71.00 | XXXXXX | XXXXXX | XXXXXX | 1.11% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -35.58% | Collateral Analytics | 43.000 | 57.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.33% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.59% | Collateral Analytics | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.08% | Black Knight | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.17% | Collateral Analytics | 16.000 | 84.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.53% | Collateral Analytics | 1.000 | 99.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.61% | Collateral Analytics | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.00% | Collateral Analytics | 87.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.30% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -17.90% | Collateral Analytics | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.50% | Collateral Analytics | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -73.78% | Collateral Analytics | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.41% | Black Knight | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 2.51% | (No Data) |
| 7039433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.20% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.48% | Black Knight | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.48% | Collateral Analytics | 18.000 | 82.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.60% | Collateral Analytics | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.69% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 6.38% | (No Data) |
| 7039525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.85% | Collateral Analytics | 17.000 | 83.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.44% | Black Knight | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039564 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.22% | Black Knight | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.24% | Collateral Analytics | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -13.64% | Collateral Analytics | 24.000 | 76.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.27% | Collateral Analytics | 17.000 | 83.00 | XXXXXX | XXXXXX | XXXXXX | -13.33% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.32% | Collateral Analytics | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.93% | Veros | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -13.09% | Collateral Analytics | 6.000 | 94.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.04% | Black Knight | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039837 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.24% | Collateral Analytics | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.87% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.13% | Black Knight | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.00% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -1.50% | (No Data) |
| 7039974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.24% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 1.56% | (No Data) |
| 7040036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.91% | Collateral Analytics | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7040048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7040143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 31.94% | Collateral Analytics | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7040235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.77% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7040310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.71% | Collateral Analytics | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7040342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.77% | Collateral Analytics | 11.000 | 89.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7040347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.00% | Collateral Analytics | 12.000 | 88.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7040537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7040874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.58% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7040933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.85% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 16.76% | Collateral Analytics | 22.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041063 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -17.27% | Collateral Analytics | 10.000 | 90.00 | XXXXXX | XXXXXX | XXXXXX | -9.09% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.56% | Collateral Analytics | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.65% | Collateral Analytics | 35.000 | 65.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.60% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.83% | Veros | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041589 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.00% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.53% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.17% | Collateral Analytics | 17.000 | 83.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -25.27% | Collateral Analytics | 23.000 | 77.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041864 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.94% | Collateral Analytics | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.45% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.69% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.26% | Collateral Analytics | 12.000 | 88.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041989 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.09% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | 1.18% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.20% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 10.17% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.58% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.39% | Collateral Analytics | 12.000 | 88.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.52% | Collateral Analytics | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.82% | Veros | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.75% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.28% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 21.57% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.70% | Black Knight | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -17.15% | Collateral Analytics | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.94% | Collateral Analytics | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 37.68% | Collateral Analytics | 23.000 | 77.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 14.72% | Collateral Analytics | 44.000 | 56.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.00% | Collateral Analytics | 18.000 | 82.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.44% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 3.75% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.82% | Collateral Analytics | 25.000 | 75.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.26% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.42% | Collateral Analytics | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 11.01% | Veros | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -53.92% | Collateral Analytics | 11.000 | 11.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042371 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 11.55% | Collateral Analytics | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.11% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042382 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.32% | Collateral Analytics | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -22.52% | Collateral Analytics | 32.000 | 68.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.85% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.33% | Collateral Analytics | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.22% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.00% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.08% | Collateral Analytics | 24.000 | 76.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.00% | Collateral Analytics | 11.000 | 89.00 | XXXXXX | XXXXXX | XXXXXX | 1.05% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.73% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.10% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 1.54% | (No Data) |
| 7042522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.95% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Collateral Analytics | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.07% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.54% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.49% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.27% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.21% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.13% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -10.83% | Collateral Analytics | 6.000 | 94.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.72% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.01% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.09% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.34% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.40% | Black Knight | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.00% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 41.76% | Veros | 12.000 | 88.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.88% | Veros | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.27% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042729 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.89% | Veros | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042814 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.06% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042828 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.82% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.00% | Veros | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042886 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.92% | Veros | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.33% | Collateral Analytics | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.94% | Veros | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.13% | Veros | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.03% | Collateral Analytics | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 18.62% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.32% | Veros | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001824 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001835 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.71% | Collateral Analytics | 19.000 | 81.00 | XXXXXX | XXXXXX | XXXXXX | -2.14% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.00% | Black Knight | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 1.33% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.36% | Black Knight | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001904 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.33% | Collateral Analytics | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.42% | Collateral Analytics | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001926 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.57% | Collateral Analytics | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.25

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.25**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **MFA 2023-NQM1** |
| **Start - End Dates:** | **11/27/2019 - 9/9/2022** |
| **Deal Loan Count:** | **278** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.26

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.26**

![](ex9926001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary<br>MFA 2023-NQM1<br>January 3, 2023<br>

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034** <br> **P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9926002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by MFA Financial Inc (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client via a Reliance Letter.

**Sample size of the assets reviewed.** 

The final population of the Review covered 28 Loans. Including 18 residential and 10 business purpose loans, totaling an aggregate original principal balance of approximately $30,388,854. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for S&P Global Ratings (S&P) and DBRS, Inc., the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

**Quality or integrity of information or data about the assets: review and methodology.**

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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|:---|:---|:---|
| ![](ex9926003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential<br>| 1 \| P a g e |

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![](ex9926002.jpg)

Forward Thinking. Seamless Solutions.

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

*Credit Application*

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

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|:---|:---|:---|
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Forward Thinking. Seamless Solutions.

*Valuation Review*

Evolve's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Evolve's review will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

*Asset Review*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

*Insurance*

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

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|:---|:---|:---|
| ![](ex9926003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential<br>| 3 \| P a g e |

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![](ex9926002.jpg)

Forward Thinking. Seamless Solutions.

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

● Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.

● Final Form 1003/Loan application is reviewed to ensure that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property.

● Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.

● The Primary Residence address(es) listed are compared for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.

● Review additional items for confirmation of non-owner occupancy possibly including:

○ That the credit report address is different than the subject property

○ There is a lease in place if the loan is a refinance

○ There is landlord insurance on the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

Evolve will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by Evolve. All material discrepancies will be noted.

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|:---|:---|:---|
| ![](ex9926003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential<br>| 4 \| P a g e |

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![](ex9926002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The NRSROs criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in the Form ABS Due Diligence-15E.

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;60.71% | &nbsp;&nbsp;17 | &nbsp;&nbsp;60.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;10 | &nbsp;&nbsp;35.71% | &nbsp;&nbsp;10 | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;89.29% | &nbsp;&nbsp;25 | &nbsp;&nbsp;89.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;10.71% | &nbsp;&nbsp;3 | &nbsp;&nbsp;10.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;24 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;4 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
| ![](ex9926003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential<br>| 5 \| P a g e |

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Forward Thinking. Seamless Solutions.

**Data Results Summary**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;28 | &nbsp;&nbsp;64.29% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;7 | &nbsp;&nbsp;28 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;24 | &nbsp;&nbsp;28 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;24 | &nbsp;&nbsp;28 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;24 | &nbsp;&nbsp;28 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;24 | &nbsp;&nbsp;28 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;7 | &nbsp;&nbsp;28 | &nbsp;&nbsp;7.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;4 | &nbsp;&nbsp;28 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;3 | &nbsp;&nbsp;28 | &nbsp;&nbsp;10.71% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;28 | &nbsp;&nbsp;10.71% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;24 | &nbsp;&nbsp;28 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;9 | &nbsp;&nbsp;28 | &nbsp;&nbsp;32.14% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;17 | &nbsp;&nbsp;28 | &nbsp;&nbsp;60.71% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;24 | &nbsp;&nbsp;28 | &nbsp;&nbsp;85.71% |

---

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|:---|:---|:---|
| ![](ex9926003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential<br>| 6 \| P a g e |

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Forward Thinking. Seamless Solutions.

**APPENDIX A**

**Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

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

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by Evolve.

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Forward Thinking. Seamless Solutions.

Evolve reviewed each mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide
 the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide
 the three (3) business day rescission period; and

vi) any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison
 of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual
 Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold
 test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test;
 and

ii) compliance with the escrow account and appraisal requirements;

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

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Forward Thinking. Seamless Solutions.

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence
 of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable
 HUD form was provided;

ii) determination that the loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed
 on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of the Servicing Disclosure Statement form in the loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence
 of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final
 GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of
 Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation
 to determine if compensation to a Loan Originator was based on a term of the transaction;

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ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation
 agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation
 agreement and/or governing policies and procedures, Evolve's review was limited to formal general statements of entity
 compliance provided by the loan originator, if any. These statements, for example, were in the form of a letter signed by
 the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between the Client and
 seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative
 amortization feature;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims
 arising out of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 creditor financed, directly or indirectly, any premiums or fees for credit insurance; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence
 of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application,
 note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the
 creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application;
 and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability
 to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard
 mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages
 (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development
 (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified
 mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

**(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content
 of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

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**(XI) FIRREA Review**

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any
 written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

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ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the
 disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

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## Exhibit 99.26

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.27**

![](evolve.jpg)

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|:---|
| **Rating Agency Grades** |
| **Run Date - 01/04/2023 1:06:00 PM** |

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1304971 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1304981 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1320307 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1323772 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1373886 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1373425 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1375908 | XXXXXXXXX | XXXXXXXXX | XXXXXXX C |  |  |  |  | C A | A | A | A | A | A |
| 1375909 | XXXXXXXXX | XXXXXXXXX | XXXXXXX C |  |  |  |  | A | A | A | A | A | A |
| 1375910 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1429612 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1427425 | XXXXXXXXX | XXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1429613 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1427965 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1430361 | XXXXXXXXX | XXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1428338 | XXXXXXXXX | XXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1428321 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439127 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1429614 | XXXXXXXXX | XXXXXXXXX | XXXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1430362 | XXXXXXXXX | XXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1439459 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1436015 | XXXXXXXXX | XXXXXXXXX | XXXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1438377 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1438380 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1436016 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1438383 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1439131 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1302080 | XXXXXXXX | XXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1373873 | XXXXXXXX | XXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.28

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.28**

![](evolve.jpg)

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| **Exception Detail** |
| **Run Date - 01/04/2023 1:06:00 PM** |

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1302080 | XXXX | XXXX | 6587063 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX provide verification of the actual terms of the prepayment penalty term, type and prepayment penalty structure. XXX XXXX and XXXX of XXXX refer to a XXXX or XXXX. XXX the XXXX in the file, the only description is 'XXXX'. XXXX corrected XXXX to the XXX with the prepayment information and XXXX of XXXX to re-record. XXX XXXX states that "XXX section of the XXXX entitled 'XXXX's XXXX to XXXX' or alternatively 'XXXX's payments before they are due' is hereby deleted in its entirety and replaced with the following language XXXX's XXXX to XXXX; XXXX" | Information provided |  |  | 05/06/2022 |  | A | 1 | XXXX | AZ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1304971 | XXXX | XXXX | 6304138 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a copy of the final loan approval document. | Documentation has been provided. |  |  | 12/06/2021 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1304981 | XXXX | XXXX | 6308435 | 376 | XXXX | Credit | UW Other |  | UW Other - UW - SS verification |  | X forms of XX are required and X must be XXXX and/or XXX-XX XXXX. File only contains driver's license and XXX passport. | Evidence of witnessed driver's license and social security card provided. |  | Reviewer 11/15/2021 12:44 PM; SSAXX XXXX to be processed, application provided. <br>| 12/08/2021 |  | A | 1 | XXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1304981 | XXXX | XXXX | 6304311 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a copy of the final loan approval document. | Documentation has been provided. |  |  | 11/15/2021 |  | A | 1 | XXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1375908 | XXXX | XXXX | 6756612 | 9 | XXXX | Credit | Application |  | Application - is missing |  | XXXX application missing | Information provided |  |  | 04/07/2022 |  | A | 1 | XXXX | CA | 1 | 1 A C |  | A C |  | Non-QM | 1 |
| 1375908 | XXXX | XXXX | 6757448 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | XXXX | Received |  |  | 04/08/2022 |  | A | 1 | XXXX | CA | 1 | 1 A C |  | A C |  | Non-QM | 1 |
| 1375909 | XXXX | XXXX | 6757328 | 1014 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | XXXX's XXXX calculation worksheet for a self-employed borrower is missing. XXXX is calculated from XX months of business XXXX statements. | received |  | Reviewer 04/11/2022 05:13 PM; received worksheet for income however it is missing X months. XXX top of the workbook has the months starting at #X and ending with #XX. <br>| 04/13/2022 |  | A | 1 | XXXX | FL | 1 | 1 A C |  | A |  | Non-QM | 1 |
| 1375909 | XXXX | XXXX | 6757330 | 374 | XXXX | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | XXXX is shown to be a XXX-XXXX. XXX XXXX references a XX-status XXXX. XXXX, borrower identification and evidence of legal status (XXXX) is missing from the loan file. | received visa exp XX/XXXX |  |  | 04/11/2022 |  | A | 1 | XXXX | FL | 1 | 1 A C |  | A |  | Non-QM | 1 |
| 1427965 | XXXX | XXXX | 6933680 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of XX% exceeds guideline of XX% for XXX XXXX score cashout refi. |  | Compensating XXXX: XXXX closing equity $XXX,XXX, XXX= XX.XX%, X X XX for XX months on X mortgages, XXXX has resided in home for XX years and self employed with same business for XX years. |  |  |  | 08/22/2022 B | 2 | XXXX | CA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1428321 | XXXX | XXXX | 6941738 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing approval for XX% XXX max XX% for a XXX time investor. |  | Exception noted with the following comp factors: XXXX-XXX (XX points higher than minimum of XXX), XXXX mortgage history, post close reserves-XX months (X months required per program). |  |  |  | 08/31/2022 B | 2 | XXXX | MT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1429614 | XXXX | XXXX | 6938712 | 635 | XXXX | Compliance | Disclosure |  | Disclosure - Compliance \ - Notice to the Home Loan Applicant required on all transactions where a credit report is obtained (FACTA) |  | Please provide proof of the borrower was sent the XXXX within X days of application X/XX/XXXX | Information provided |  |  | 08/31/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1436015 | XXXX | XXXX | 6961343 | 891 | XXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Missing image of XX in the file. | Information provided |  |  | 09/28/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1436015 | XXXX | XXXX | 6961344 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 09/28/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1436015 | XXXX | XXXX | 6961345 | 970 | XXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | Missing XX issued and received X days prior to consummation. | Information provided |  |  | 09/28/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1436015 | XXXX | XXXX | 6961346 | 846 | XXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Missing XXXX/XXXX ("XXXX home loan toolkit A step-by-step guide") | Information provided |  |  | 09/28/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1436016 | XXXX | XXXX | 6961329 | 897 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | A XXXX needs to be issued to reflect the complete XXXX for the XXXX under XXXX on page X.The XX XXXX XX and XXXX XX XXXX XX are blank on the XXXX XX. |  |  |  | 09/29/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1436016 | XXXX | XXXX | 6961330 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | 09/29/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1438377 | XXXX | XXXX | 6972275 | 322 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | \*XXXX states that an XXXX was granted for use of XXX credit score when XXXX state that the XXXX is XXX XXXX XXX. XXXX to locate this XXXX in this file |  | exception received. XXXX factors: XXX of XX.X% is XX.X% lower than max of XX%. XXXX has occupied the subject for X years. XXXX has owned business for at least XX years |  |  |  | 10/13/2022 B | 2 | XXXX | UT | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1438380 | XXXX | XXXX | 6970917 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 10/13/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1438380 | XXXX | XXXX | 6970918 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan failing X% tolerance for addition of a XXX XXXX fee without a valid explanation. XXXX amount $XXX. XXXX a XXXX with cure, lox to borrower, proof of refund, and evidence refund was mailed, all within XX days of consummation. |  |  |  | 10/13/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1438380 | XXXX | XXXX | 6971476 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Supply copy of initial XXXX mortgage note confirming fixed rate, dated XX/XX/XXXX | received |  |  | 10/13/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1438383 | XXXX | XXXX | 6971586 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Supply existing XXXX lien XXXX $X,XXX,XXX is fixed rate mortgage dated X/XX/XX |  |  | Reviewer 10/14/2022 04:01 PM; The existing XXXX lien XXXX $X,XXX,XXX is fixed rate mortgage dated X/XX/XX was not received<br>| 10/25/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1439127 | XXXX | XXXX | 6970887 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 10/20/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1439127 | XXXX | XXXX | 6970888 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation for increase in XXXX XX-XXXX XXX. XXXX tolerance violation $XX.XX. A refund in the amount of $XX.XX along with XXXX XX, lox to borrower, copy of refund check and proof of delivery required within XX days from consummation. |  |  |  |  | 10/20/2022 | B | 2 | XXXX | FL | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1439131 | XXXX | XXXX | 6971875 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide corrected page X of the appraisal report to reflect the property as located in a XXXX. XXXX of XXXX from the XXXX mortgage lien was provided in file and shows the loan closed with a XXX rider. | received |  |  | 10/28/2022 |  | A | 1 | XXXX | CA | 1 | 13 A | A | A |  | Non-QM | 1 |

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## Exhibit 99.29

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.29**

![](evolve.jpg)

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| **Valuation Report** |
| **Run Date - 01/04/2023 1:06:00 PM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1304971 | XXXXXXX | XXXXXXX | XXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1304981 | XXXXXXX | XXXXXXX | XXXXX | XXXXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1320307 | XXXXXXX | XXXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX | XXXX | XXXXX | 0.31% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1323772 | XXXXXXX | XXXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1373886 | XXXXXX | XXXXXX | XXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1373425 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXX | XXXXXX |  | 0.00% | XXXXX | 1004D |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1375908 | XXXXXX | XXXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX |  | 0.00% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1375909 | XXXXXX | XXXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1375910 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429612 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1427425 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429613 | XXXXXX | XXXXXX | XXXXX | XXXXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1427965 | XXXXXX | XXXXXX | XXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1430361 | XXXXXX | XXXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXXX | 0.81% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1428338 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX | XXXX | XXXXXX | 6.67% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1428321 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1439127 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429614 | XXXXXX | XXXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1430362 | XXXXXX | XXXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXXX | 2.00% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1439459 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1436015 | XXXXXX | XXXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438377 | XXXXXX | XXXXXX | XXXXX | XXXXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438380 | XXXXXX | XXXXXX | XXXXX | XXXXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1436016 | XXXXXX | XXXXXX | XXXXX | XXXXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438383 | XXXXXX | XXXXXX | XXXXX | XXXXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.33% | Clear Capital | moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1439131 | XXXXXX | XXXXXX | XXXXX | XXXXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1302080 | XXXXX | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1373873 | XXXXX | XXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.30

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.30**

![](evolve.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 01/04/2023 1:06:00 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1373886 | XXXXXX | XXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1373886 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1373425 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1375908 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1375909 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1375910 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1429612 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1427425 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1429613 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1427965 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1430361 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1428338 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1428321 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1439127 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1429614 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1430362 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1439459 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1436015 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1438377 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1438380 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1436016 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1438383 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1439131 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1302080 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1373873 | XXXXXX | XXXXXX | Note Date |  | XXXXX | Verified |
| 1429614 | XXXXXX | XXXXXX | Property Street Address | XXXX | XXXX | Verified |
| 1304971 | XXXXXX | XXXXXX | Sales Price | $XXXX |  | Verified |

---

## Exhibit 99.31

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.31**

![](evolve.jpg)

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 01/04/2023 1:06:00 PM** |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1304971 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 1304981 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 1320307 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | $20840.00 | XX/XX/XXXX | 4.43% | Not Required |  | Permanent Resident Alien |  | No |  |
| 1323772 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 1373886 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien |  | No |  |
| 1373425 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $6479.10 | XX/XX/XXXX | 5.906% | Not Required | Self-Employed | US Citizen | US Citizen | No |  |
| 1375908 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $40170.00 | XX/XX/XXXX | 4.973% | Self-Employed |  | US Citizen |  | No |  |
| 1375909 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $35392.20 | XX/XX/XXXX | 4.848% | Self-Employed |  | Non Permanent Resident Alien |  | No |  |
| 1375910 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | $8207.08 | XX/XX/XXXX | 6.515% | Self-Employed |  | US Citizen |  | No |  |
| 1429612 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  | 0.00% | Unemployed |  | US Citizen |  | No |  |
| 1427425 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 1429613 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | $38212.50 | XX/XX/XXXX | 7.524% | Employed |  | US Citizen |  | No |  |
| 1427965 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | $14393.44 | XX/XX/XXXX | 8.917% | Self-Employed | Self-Employed | US Citizen | US Citizen | No |  |
| 1430361 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | $38252.00 | XX/XX/XXXX | 8.367% | Self-Employed |  | US Citizen |  | No |  |
| 1428338 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $94215.00 | XX/XX/XXXX | 6.986% | Self-Employed | Self-Employed | US Citizen | US Citizen | No |  |
| 1428321 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 1439127 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $16711.77 | XX/XX/XXXX | 8.898% | Self-Employed |  | US Citizen |  | No |  |
| 1429614 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | $6950.00 | XX/XX/XXXX | 8.575% | Employed |  | US Citizen |  | No |  |
| 1430362 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  | XX/XX/XXXX | 0.00% | Not Required |  | US Citizen |  | No |  |
| 1439459 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 1436015 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $15220.00 | XX/XX/XXXX | 7.792% | Self-Employed | Self-Employed | US Citizen | US Citizen | No |  |
| 1438377 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $12120.00 | XX/XX/XXXX | 10.675% | Self-Employed |  | US Citizen |  | Yes | $15328.70 |
| 1438380 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $1620.00 | XX/XX/XXXX | 10.094% | Self-Employed |  | US Citizen |  | No |  |
| 1436016 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $19076.25 | XX/XX/XXXX | 8.732% | Self-Employed | Self-Employed | US Citizen | US Citizen | No |  |
| 1438383 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | $12840.00 | XX/XX/XXXX | 9.434% | Self-Employed | Unemployed | US Citizen | US Citizen | No |  |
| 1439131 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $9290.00 | XX/XX/XXXX | 10.489% | Self-Employed |  | US Citizen |  | No |  |
| 1302080 | XXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 1373873 | XXXXXXXX | XXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | $10044.00 | XX/XX/XXXX | 5.698% | Self-Employed | Unemployed | US Citizen | US Citizen | No |  |

---

## Exhibit 99.32

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.32**

![](evolve.jpg)

---

| |
|:---|
| **Business Purpose Data** |
| **Run Date - 01/04/2023 1:06:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss 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** | **Months Reserves** | **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 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **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** |
| 1304981 | XXXXXXXXXX | XXXXXXXXXX |  | XXXX |  | XXXX | 20210920 | Debt Service Coverage | Yes | Yes | $2400.00 | $3000.00 | FNMA 1007/216 | Leases | No |  |  | 2400 | 0.57 | 0.57 | $4212.93 | 20120724 | 24 | Yes | Yes | $46460.00 |  | NO | $0.00 | $551.15 | $63.26 | Stated, Verified | NO |  | 8 |  | No | No | Experienced | 29 | 1 | US Citizen |  | 782 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX |  | US Citizen | Stated, Verified | 782 | 773 | 793 |  |  |  |  |  |  |  |  | Not Required |  | 20210901 |  | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  |
| 1323772 | XXXXXXXXXX | XXXXXXXXXX |  | XXXX |  | XXXX | 20210920 | Debt Service Coverage | Yes | No | $0.00 | $3800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 3800 | 0.62 | 0.62 | $6140.03 |  |  |  | Yes | $290000.00 |  | NO | $0.00 | $1458.33 | $101.76 | Stated, Verified | NO |  | 3 |  | No | No | Experienced | 94 | 13 | US Citizen |  | 730 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20210927 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 4 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  |
| 1373886 | XXXXXXXXXX | XXXXXXXXXX |  | XXXX |  | XXXX | 20210920 | Debt Service Coverage | Yes | No | $0.00 | $2800.00 |  | FNMA 1007/216 | No |  |  | 2800 | 0.91 | 0.91 | $3084.43 |  |  |  | Yes | $0.00 | Yes | YES | $74.00 | $661.46 | $129.65 | Stated, Verified | NO |  | 3 |  | No | No | Inexperienced | 8 | 27 | US Citizen |  | 784 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20211103 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  |
| 1429612 | XXXXXXXXX | XXXXXXXXX |  | XXXX |  | XXXX | 20220114 | Debt Service Coverage | Yes | No | $0.00 | $3650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 3650 | 1.12 | 1.12 | $3253.29 |  |  |  | Yes | $21000.00 |  | YES | $743.00 | $900.63 | $116.80 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 87 | 2.5 | Non Permanent Resident Alien |  | 734 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXXX |  | Non Permanent Resident Alien | Stated, Verified | 680 | 739 | 734 |  |  |  |  |  |  |  |  | Not Required |  | 20220110 |  | $XXXX | 1 | XXXX | XXXX | 1 | 1.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  |
| 1427425 | XXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20220719 | ALTDOC | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 0 |  |  | $2951.04 |  |  |  | Yes | $0.00 | Yes | YES | $33.33 | $990.23 | $70.25 | Stated, Verified | NO |  | 12 |  | No | No | Experienced | 254 | 4 | US Citizen |  | 702 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Unemployed |  | 20220428 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  |
| 1428321 | XXXXXXXXX | XXXXXXXXX |  | XXXX |  | XXXX | 20220715 | Debt Service Coverage | Yes | No | $0.00 | $8000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 8000 | 1.02 | 1.02 | $7859.03 |  |  |  | Yes | $100000.00 |  | NO | $0.00 | $627.47 | $134.53 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 125 | 23 | US Citizen |  | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20220701 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  |
| 1430362 | XXXXXXXXX | XXXXXXXXX |  | XXXX |  | XXXX | 20220715 | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 3200 | 0.8 | 0.8 | $4000.89 |  |  |  | Yes | $45000.00 |  | NO | $0.00 | $145.75 | $121.75 | Stated, Verified | NO |  | 2 |  | No | No | Experienced | 58 | 0.2 | US Citizen |  | 748 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20220715 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  |
| 1439459 | XXXXXXXXX | XXXXXXXXX |  | XXXX | XXXX | XXXX | 20220719 | NIVA | Yes | No | $0.00 | $0.00 |  |  | No |  |  | 0 |  |  | $19408.82 |  |  |  | Yes | $134000.00 |  | NO | $0.00 | $1672.54 | $548.78 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 770 | 10 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20220801 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  |
| 1302080 | XXXXXXXXX | XXXXXXXXX |  | XXXX |  | XXXX | 20220715 | Debt Service Coverage | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 4500 | 0.76 | 0.76 | $5890.71 |  |  |  | Yes | $54000.00 |  | NO | $0.00 | $913.17 | $91.48 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 106 | 1 | US Citizen |  | 686 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20220811 | XX/XX/XXXX | $XXXX | 2 | XXXX | XXXX | 5 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  |
| 1304971 | XXXXXXXX | XXXXXXXX |  | XXXX |  | XXXX | 20210917 | Debt Service Coverage | Yes | No | $0.00 | $6200.00 | FNMA 1007/216 |  | No |  |  | 6200 | 1.13 | 1.13 | $6187.92 |  |  |  | Yes | $173016.00 |  | YES | $26.00 | $495.27 | $194.03 | Stated, Verified | NO |  | 3 |  | No | No | Experienced | 29 | 2 | US Citizen |  | 719 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20210913 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  |

---

## Exhibit 99.33

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.33**

![](ex9933001.jpg)

0 \| P a g e

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 14.0 |
| Tape Integrity Review Results Summary | 15.0 |
| Additional Loan Population Summary | 15.0 |

---

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**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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**Description of the due diligence performed**

**(1) Type of assets that were reviewed.**

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by MFA Financial, Inc. ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of one hundred and four (104) mortgage loans that were originally reviewed from November 2021 to September 2022.

**(2) Sample size of the assets reviewed.**

The mortgage loan review was broken down into the following review scopes:

▪ "Compliance Review": 46 Mortgage Loans

▪ "Credit Review": 104 Mortgage Loans

▪ "Property Review" 104 Mortgage Loans

▪ "Data Integrity" 104 Mortgage Loans

**(3) Determination of the sample size and computation.**

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

For one hundred and four (104) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

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**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Infinity conducted a credit review for one hundred and four (104) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

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There were 9 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**Credit Application:** For the Credit Application, Infinity verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history

**Credit Report:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** Infinity assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Infinity completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**Occupancy Review:** Infinity confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

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**Guideline Review:** During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** Infinity reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** Infinity also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

**Business Purpose/DSCR Scope:** Infinity conducted business purpose/property focused Investor review for forty-six (46) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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**(6) Value of collateral securing the assets: review and methodology.**

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for one hundred and four (104) mortgage loans. For these one hundred and four (104) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Infinity's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Infinity's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

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If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Infinity completed a Compliance Review on forty-six (46) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Infinity to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Infinity are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

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&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure
 to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate
 Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR
 to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR
 threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, Infinity reviewed the relevant documents in the mortgage loan file and,
 as necessary, attempted to obtain the mortgage loan originator compensation agreement
 and/or governing policies and procedures of the mortgage loan originator. In the absence
 of the mortgage loan originator compensation agreement and/or governing policies and
 procedures, Infinity's review was limited to formal general statements of entity
 compliance provided by the mortgage loan originator, if any. These statements, for example,
 were in the form of a letter signed by the seller correspondent/mortgage loan originator
 or representations in the mortgage loan purchase agreement between the Client and seller
 correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

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&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such
 changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

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ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that any written estimate of terms or costs provided prior to receipt of a LE contained
 the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

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*<u>General Ability to Repay</u>*

Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Infinity reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Infinity does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

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

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

12 \| P a g e

As part of the portion of the Review described in this section, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
 summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
 and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
 of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
 disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
 of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
 from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
 other disclosures related to the enumerated tests set forth herein.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSRO listed in Item 3 of the ABS Due Diligence 15E, S&P Global Ratings ("S&P") and DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (104 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers one hundred and four (104) mortgage loans. Within those mortgage loans, Infinity graded one hundred and two (102) mortgage loans as "A" and two (2) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &nbsp;&nbsp;102 | &nbsp;&nbsp;104 | &nbsp;&nbsp;102 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.08% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &nbsp;&nbsp;102 | &nbsp;&nbsp;104 | &nbsp;&nbsp;102 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.08% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (104 Mortgage Loans)**

Of the one hundred and four (104) mortgage loans reviewed, 32 (30.77%) mortgage loans had tape discrepancies across fifteen (15) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% # Loans** |
| &nbsp;&nbsp;B1 Citizenship Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;104 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;B1 Credit Score | &nbsp;&nbsp;3 | &nbsp;&nbsp;104 | &nbsp;&nbsp;2.88% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;10 | &nbsp;&nbsp;104 | &nbsp;&nbsp;9.62% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;104 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Loan Documentation Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;104 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;104 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;104 | &nbsp;&nbsp;2.88% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;3 | &nbsp;&nbsp;104 | &nbsp;&nbsp;2.88% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;104 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;104 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;1 | &nbsp;&nbsp;104 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;1 | &nbsp;&nbsp;104 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;104 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Stated Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;104 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;104 | &nbsp;&nbsp;1.92% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (104 Mortgage Loans)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;101 | &nbsp;&nbsp;97.12% | &nbsp;&nbsp;$67215969.00 | &nbsp;&nbsp;91.68% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.88% | &nbsp;&nbsp;$6100000.00 | &nbsp;&nbsp;8.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**104** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73315969.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;101 | &nbsp;&nbsp;97.12% | &nbsp;&nbsp;$72046319.00 | &nbsp;&nbsp;98.27% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.88% | &nbsp;&nbsp;$1269650.00 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**104** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73315969.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;49 | &nbsp;&nbsp;47.12% | &nbsp;&nbsp;$35847582.00 | &nbsp;&nbsp;48.89% |
| &nbsp;&nbsp;Limited Cash-Out (GSE Definition) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;$1020000.00 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;14 | &nbsp;&nbsp;13.46% | &nbsp;&nbsp;$8669385.00 | &nbsp;&nbsp;11.83% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;31 | &nbsp;&nbsp;29.81% | &nbsp;&nbsp;$22238252.00 | &nbsp;&nbsp;30.33% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;9 | &nbsp;&nbsp;8.65% | &nbsp;&nbsp;$5540750.00 | &nbsp;&nbsp;7.56% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**104** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73315969.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$5504503.00 | &nbsp;&nbsp;7.51% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;96 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;$67811466.00 | &nbsp;&nbsp;92.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**104** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73315969.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;46 | &nbsp;&nbsp;44.23% | &nbsp;&nbsp;$39670537.00 | &nbsp;&nbsp;54.11% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;58 | &nbsp;&nbsp;55.77% | &nbsp;&nbsp;$33645432.00 | &nbsp;&nbsp;45.89% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**104** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$73315969.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;01-31-2022 apex_prime_bank_statement_guidelines_v1.1 (1).pdf |
| &nbsp;&nbsp;01-14-22_montage_prime_guidelines__v1.0 (2).pdf |
| &nbsp;&nbsp;01-14-22_spectrum_no_ratio_guidelines_v1.0 (2).pdf |
| &nbsp;&nbsp;Aspire Guidelines v1.2.pdf |
| &nbsp;&nbsp;NQM Underwriting Guidelines, 2021 05 01.pdf |
| &nbsp;&nbsp;Jumbo Underwriting Guidelines, 2020 12 07.pdf |
| &nbsp;&nbsp;Sellers Guide, 2022 02 11.pdf |
| &nbsp;&nbsp;EC NonQM Eligibility Guidelines v3.7.pdf |
| &nbsp;&nbsp;EC NonQM Investor Eligibility Guidelines v3.7 (Marked-up).pdf |

---

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## Exhibit 99.34

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.34**

**Tape Discrepancies**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna Id** | **Loan #1** | **Redacted ID** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| xx | xx | 63560 |  | Original Balance (or Line Amount) | xx | xx | xx | 0.14109% | The Note reflects the Original Balance is $xx. | Initial |  |
| xx | xx | 65046 |  | Original Balance (or Line Amount) | xx | xx | xx | 0.14753% | The Note reflects the Original Balance is $xx. | Initial |  |
| xx | xx | 63563 |  | Original Balance (or Line Amount) | xx | xx | xx | 0.14109% | The Note reflects the Original Balance is $xx. | Initial |  |
| xx | xx | 61234 |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation. | Initial |  |
| xx | xx | 67103 |  | Original Appraised Value | xx | xx | xx | 0.27700% | The Appraisal dated xx reflects the Original Appraised value as $xx. | Initial |  |
| xx | xx | 67579 |  | Borrower DTI Ratio Percent | 26.765% | 34.607% | -7.842% | -7.84200% | Total subject property PITIA (P&I $9,350.00 + Real Estate Taxes $2,515.92 + Hazard Insurance $137.39 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $0.00) equals $12,003.31, monthly payment of non subject primary residence equals $12,545.81 and monthly other debts equals $6,630.00. Total verified monthly income equals $116,493.58. Borrower DTI ratio equals 26.765%. | Initial |  |
| xx | xx | 67101 |  | Original Appraised Value | xx | xx | xx | 0.08628% | The Appraisal dated xx reflects the Original Appraised value as $xx. | Initial |  |
| xx | xx | 67101 |  | Original Standard LTV (OLTV) | xx | xx | 60.336% | 60.33600% | Collateral Value used for Underwriting: $xx. Loan Amount: $xx. LTV =xx%. | Initial |  |
| xx | xx | 67585 |  | Borrower DTI Ratio Percent | 25.134% | 30.063% | -4.929% | -4.92900% | Total subject property PITIA (P&I $3,863.70 + Real Estate Taxes $98.63 + Hazard Insurance $90.58 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $0.00 + other lien (P&I) $3,521.00) equals $7,573.91 and monthly other debts equals $2,346.96. Total verified monthly income equals $39,472.52. Borrower DTI ratio equals 25.134%. | Initial |  |
| xx | xx | 68041 |  | Borrower DTI Ratio Percent | 44.135% | 48.569% | -4.434% | -4.43400% | The net rental loss from subject property equals $4,222.07 and monthly payment of non-subject primary residence equals $9,005.34 and monthly other debts equals $708.00. Total verified monthly income equals $31,574.21. Borrower DTI ratio equals 44.135%. | Initial |  |
| xx | xx | 67586 |  | Borrower DTI Ratio Percent | 44.719% | 47.869% | -3.150% | -3.15000% | Total subject property PITIA (P&I $2,078.13 + Real Estate Taxes $705.42 + Hazard Insurance $334.18 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $20.83) equals $3,138.56 and monthly other debts equals $12,517.40. Total verified monthly income equals $35,010.00. Borrower DTI ratio equals 44.719%. | Initial |  |
| xx | xx | 65062 |  | Borrower DTI Ratio Percent | 38.614% | 42.500% | -3.886% | -3.88600% | Total subject property PITIA (P&I $3,009.57 + Real Estate Taxes $1,297.05 + Hazard Insurance $62.50 + HOA Dues $215.00) equals $4,584.12 and monthly other debts equals $729. Total verified monthly income equals $13,759.56. Borrower DTI ratio equals 38.614%. | Initial |  |
| xx | xx | 63578 |  | B1 Credit Score | 816 | 818 | -2 | -0.24449% | Credit report dated 1/13/2022 reflect B1 FICO score is 816. | Initial |  |
| xx | xx | 63578 |  | Original Appraisal Date | xx | xx | 31 (Days) |  | The Appraisal reflects the effective date as xx. | Initial |  |
| xx | xx | 63581 |  | Original Note Doc Date | xx | xx | -5 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| xx | xx | 63588 |  | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | The Appraisal dated xx reflects the subject property as a High Rise Condo (>=9 Stories). | Initial |  |
| xx | xx | 61702 |  | Original Appraised Value | xx | xx | xx | -2.83018% | The Appraisal dated xx reflects the Original Appraised value as $xx. | Initial |  |
| xx | xx | 63677 |  | B1 Credit Score | 781 | 779 | 2 | 0.25673% | Credit report dated 1/27/2022 reflect B1 FICO score is 781. | Initial |  |
| xx | xx | 63684 |  | B1 Credit Score | 705 | 721 | -16 | -2.21914% | The credit report dated 1/28/2022 reflects B1 Latest Credit Score as 705. | Initial |  |
| xx | xx | 63736 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | Final Application reflect B1 Citizenship Status as Foreign National. | Initial |  |
| xx | xx | 65107 |  | Original Note Doc Date | xx | xx | -4 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| xx | xx | 65160 |  | Borrower DTI Ratio Percent | 45.824% | 0.494% | 45.330% | 45.33000% | Total subject property PITIA (P&I $2,551.60 + Real Estate Taxes $346.42 + Hazard Insurance $73.40) equals $2,971.42 and monthly other debts equals $483. Total verified monthly income equals $7,538.43. Borrower DTI ratio equals 45.824%. | Initial |  |
| xx | xx | 65265 |  | Borrower DTI Ratio Percent | 43.492% | 0.492% | 43.000% | 43.00000% | Total subject property PITIA (P&I $1,632.98 + Real Estate Taxes $582.31 + Hazard Insurance $67.32) equals $2,282.61 and monthly other debts equals $0.00. Total verified monthly income equals $5,248.36. Borrower DTI ratio equals 43.492%. | Initial |  |
| xx | xx | 65293 |  | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of refinance as Limited Cash-Out. | Initial |  |
| xx | xx | 63796 |  | First Payment Date | xx | xx | -31 (Days) |  | The Note reflects the First Payment Date as xx. | Initial |  |
| xx | xx | 63796 |  | Stated Maturity Date | xx | xx | -29 (Days) |  | The Note reflects the Maturity Date as xx. | Initial |  |
| xx | xx | 63799 |  | Original Note Doc Date | xx | xx | -18 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| xx | xx | 65302 |  | Original Note Doc Date | xx | xx | -13 (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| xx | xx | 65302 |  | Subject Property Type | PUD | Single Family |  |  | The Appraisal dated xx reflects the subject property as a PUD. | Initial |  |
| xx | xx | 61236 |  | Original CLTV Ratio Percent | xx | xx | -5.143% | -5.14300% | Collateral Value used for Underwriting: $xx. Amount of Secondary Lien(s): $0.00. Loan Amount: $xx. CLTV = xx%. | Initial |  |
| xx | xx | 60368 |  | Borrower DTI Ratio Percent | 32.016% | 38.353% | -6.337% | -6.33700% | Total subject property PITIA (P&I $4,663.59 + Real Estate Taxes $1,275.01 + Hazard Insurance $164.42 + HOA Dues $219.00) equals $5,015.93. and monthly other debts equals $1,403.28. Total verified monthly income equals $20,050.00. Borrower DTI ratio equals 32.016%. | Initial |  |
| xx | xx | 60368 |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation. | Initial |  |
| xx | xx | 60368 |  | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Final CD reflects Purpose of refinance as Rate/Term Refinance. | Initial |  |
| xx | xx | 61282 |  | Borrower DTI Ratio Percent | 30.975% | 25.129% | 5.846% | 5.84600% | The monthly payment of Non-subject primary residence equals $8,512.00 and monthly other debts equals $6,694.28. Total verified monthly income equals $49,091.99. Borrower DTI ratio equals 30.975%. | Initial |  |
| xx | xx | 61932 |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation. | Initial |  |
| xx | xx | 61534 |  | Borrower DTI Ratio Percent | 10.011% | 14.951% | -4.940% | -4.94000% | The monthly payment of Non-subject primary residence equals $8,210.50 and monthly other debts equals $3,329. Total verified monthly income equals $114,588.00. Borrower DTI ratio equals 10.011%. | Initial |  |
| xx | xx | 61537 |  | Property Address Street | xx | xx |  |  | The Note signed on xx reflects the property address as xx. | Initial |  |
| xx | xx | 60453 |  | Loan Documentation Type | Alternative | Full Documentation |  |  | Loan documentation type is Alternative. | Initial |  |

---

## Exhibit 99.35

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.35**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number 1** | **Redacted ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| xx | xx | 63560 |  | xx | Washington | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | MPDUZL0C2M1-3L2978EM | Resolved | 3 | R | \* Assets do not meet guidelines (Lvl R) | "Transaction is Refinance of Investment residence. Funds required to close are $2,372.95. Total Assets verified in the amount of $0.00. <br> Provide a copy of most recent bank statement/retirement/investment to evidence funds In the amount Of $2,372.95 for closing . Prove Source Of Any Large Non-Payroll Deposits."<br>07/27/2022 - As per uploaded credit memo, for business purpose/DSCR loans, verification of the seasoning of funds to close is not required on loans of xx% LTV and below. Also We do not have any guidelines that require us to source and season line item deposits. FNMA may have this requirement but xx do not. Hence, condition is resolved. | 07/27/2022 - As per uploaded credit memo, for business purpose/DSCR loans, verification of the seasoning of funds to close is not required on loans of 70% LTV and below. Also We do not have any guidelines that require us to source and season line item deposits. FNMA may have this requirement but xx do not. Hence, condition is resolved. | 07/27/2022 - As per uploaded credit memo, for business purpose/DSCR loans, verification of the seasoning of funds to close is not required on loans of xx% LTV and below. Also We do not have any guidelines that require us to source and season line item deposits. FNMA may have this requirement but xx do not. Hence, condition is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/05/2022 |
| xx | xx | 65048 |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Compliance | Compliance | LNTZCQGNSN0-KMWEVJ70 | Resolved | 3 | R | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | Final Closing Disclosure is missing in the loan package. Kindly provide Final Closing Disclosure.<br>Resolved 7/27/2022 : Received Final Closing Disclosure document dated 2/11/2022 and updated, hence conditions cleared. | Resolved 7/27/2022 : Received Final Closing Disclosure document dated 2/11/2022 and updated, hence conditions cleared. | Resolved 7/27/2022 : Received Final Closing Disclosure document dated 2/11/2022 and updated, hence conditions cleared. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 03/28/2022 |
| xx | xx | 63568 |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | WGNHMRPIUPA-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | BOth the CU scores are missing. AVM to be ordered.<br>05/24/2022 - Received CDA. Hence, condition is resolved. | 05/24/2022 - Received CDA. Hence, condition is resolved. | 05/24/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 65049 |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | FBQQBYF4AXC-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Confidence score on AVM is 0.13 which is more than threshold limit. CDA to be ordered.<br>05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/24/2022 | 05/09/2022 | 05/09/2022 | 03/28/2022 |
| xx | xx | 66035 |  | xx | Hawaii | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | EY4LKFEPQUM-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Require 12 months bank statements for xx (xx) of account number- xx , as it is missing in the package.<br>6/30/2022 - Received 12 months bank statements for xx (xx) of account number- xx and condition is resolved | 6/30/2022 - Received 12 months bank statements for xx (xx) of account number- xx and condition is resolved | 6/30/2022 - Received 12 months bank statements for xx (xx) of account number- xx and condition is resolved |  |  | QC Complete | 06/30/2022 | 06/30/2022 | 06/30/2022 | 06/29/2022 |
| xx | xx | 66039 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Assets Insufficient | HVZ1YDXW4CA-YHOZ28S0 | Waived | 3 | W | \* Cash reserves less than required by guidelines (Lvl W) | Borrower is short of assets. Verified assets $224,079.48 and funds to close $186,824.64 ($224,079.48-$186,824.64) = $37,254.84. Reserve requirement as per guideline 12 months xPITIA = $53,599.92. Borrower is short of $16,345.08 ($37,254.84-$53,599.92)<br>6/30/2022 - Received exception approval form for the short on reserves for the purchase of an investment property , citing this as an warning. |  |  | FICO - 705 - 25 points higher than min required 680<br> Borrower has been SE for 32 years <br> 0x30x24 |  | QC Complete | 06/29/2022 |  |  | 06/29/2022 |
| xx | xx | 67103 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | KPJK1APYHQT-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | Loan file contains state tax lien in the amount of $244,870.19 for the year 2020, 2019 & 2018, Proof of release is missing in the loan file. 08/03/2022 - Received Final Borrower Closing Statement with updated payoff of State tax line in the amount of $244,870.19. Hence condition resolved. | 08/03/2022 - Received Final Borrower Closing Statement with updated payoff of State tax line in the amount of $244,870.19. Hence condition resolved. | 08/03/2022 - Received Final Borrower Closing Statement with updated payoff of State tax line in the amount of $244,870.19. Hence condition resolved. |  |  | QC Complete | 07/30/2022 | 08/03/2022 | 08/03/2022 | 07/29/2022 |
| xx | xx | 67579 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | EOYRF1MPH0D-DFWG7HN5 | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Provide a copy of hazard insurance of the subject property.<br>09/08/2022 - Hazard insurance received. Hence, exception is resolved. | 09/08/2022 - Hazard insurance received. Hence, exception is resolved. | 09/08/2022 - Hazard insurance received. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 09/07/2022 |
| xx | xx | 67579 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | EOYRF1MPH0D-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | 09/08/2022 - Hazard insurance received which has dwelling coverage $283,000.00. And as per document replacement cost is upto dwelling coverage. Hence, exception is resolved. | 09/08/2022 - Hazard insurance received which has dwelling coverage $283,000.00. And as per document replacement cost is upto dwelling coverage. Hence, exception is resolved. | 09/08/2022 - Hazard insurance received which has dwelling coverage $283,000.00. And as per document replacement cost is upto dwelling coverage. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 09/08/2022 |
| xx | xx | 67579 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | EOYRF1MPH0D-JPQK8SU9 | Resolved | 3 | R | \* Missing Appraisal (Lvl R) | Provide an acceptable appraisal with an interior and exterior property inspection supporting a value of $xx is required.<br>09/08/2022 - Appraisal received. Hence, exception is resolved. | 09/08/2022 - Appraisal received. Hence, exception is resolved. | 09/08/2022 - Appraisal received. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 67579 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | EOYRF1MPH0D-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | As per loan file in final 1003 Uniform residential loan application - Lender loan information document is missing , hence required updated document .<br>09/08/2022 - Not Resolved - Lender loan information document is still missing.<br>09/16/2022 - Lender loan information document received. Hence, exception is resolved. | 09/16/2022 - Lender loan information document received. Hence, exception is resolved. | 09/16/2022 - Lender loan information document received. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 09/07/2022 |
| xx | xx | 67580 |  | xx | Arizona | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | DFONHRRZ0DM-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 8.295% Allowed 7.700% Over by +0.595%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/31/2022 |
| xx | xx | 67580 |  | xx | Arizona | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | DFONHRRZ0DM-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | As per the guidelines 90 days of seasoning is required for the documentation used for asset qualification . provide most recent 3 months of statements of account xx #xx to verify the income. Income needs to be recalculated as per the receipt of documents.<br>09/02/2022 - No changes required as per the bank statement received of account# xx. Hence, exception is resolved. | 09/02/2022 - No changes required as per the bank statement received of account# xx. Hence, exception is resolved. | 09/02/2022 - No changes required as per the bank statement received of account# xx. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/31/2022 |
| xx | xx | 67101 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | GKITNEYTTTE-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: Charged 10.236% Allowed 6.870% Over by +3.366%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 67101 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | GKITNEYTTTE-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | "This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 10.236% Allowed 6.870% Over by +3.366%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/17/2022 |
| xx | xx | 67101 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | GKITNEYTTTE-PPGSHEHW | Resolved | 3 | R | \* Previous Note is missing (Lvl R) | As per lending guide Copy of first mortgage note or billing statement is required in the amount of xx.<br>08/23/2022 - Note document received. Hence, exception is resolved. | 08/23/2022 - Note document received. Hence, exception is resolved. | 08/23/2022 - Note document received. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/17/2022 |
| xx | xx | 67583 |  | xx | Washington | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | CNZU42KGZST-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Photographs on the appraisal report is reflecting a human object.<br>10/07/2022 - Picture correction report received. Hence, exception is resolved. | 10/07/2022 - Picture correction report received. Hence, exception is resolved. | 10/07/2022 - Picture correction report received. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 09/19/2022 |
| xx | xx | 67583 |  | xx | Washington | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | CNZU42KGZST-QIOS6HNF | Resolved | 3 | R | \* No HOA fees on appraisal and property identified as a PUD (Lvl R) | As per Mortgage(DOT) document property is PUD and PUD rider is present in the package, Final 1003 has mentioned HOA fees as $88, Appraisal report has mentioned as property is PUD detached, But HOA is not given on appraisal report, However required Updated appraisal report with mentioned HOA fees.<br>10/07/2022 - Updated appraisal received with $88.00 HOA fees. Hence, exception is resolved. | 10/07/2022 - Updated appraisal received with $88.00 HOA fees. Hence, exception is resolved. | 10/07/2022 - Updated appraisal received with $88.00 HOA fees. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 09/19/2022 |
| xx | xx | 67585 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | RGE2OKPKARA-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged : 9.549% Allowed : 6.560% Over By : +2.989%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/06/2022 | 12/06/2022 | 12/06/2022 | 09/06/2022 |
| xx | xx | 67585 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | RGE2OKPKARA-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged : 9.549% Allowed : 6.560% Over By : +2.989%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>| Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>|  |  | QC Complete | 12/06/2022 | 12/06/2022 | 12/06/2022 | 12/06/2022 |
| xx | xx | 67586 |  | xx | Georgia | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | 2IBMXQPZFRB-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 7.483% Allowed 6.780% Over by +0.703%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 09/06/2022 |
| xx | xx | 67587 |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | IHK3B55DZT5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> Higher-Priced Mortgage Loan Test Fail: Charged 7.793% Allowed 7.780% Over by +0.013%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 09/09/2022 |
| xx | xx | 67587 |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | IHK3B55DZT5-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 7.793% Allowed 7.780% Over by +0.013%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 67587 |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | IHK3B55DZT5-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | Lender information of the borrower is missing in the Final 1003 application. Also the borrower has ownership on two other properties which are financed, not reflecting on the final application.<br>09/15/2022 - Final 1003 received. Hence, exception is resolved. | 09/15/2022 - Final 1003 received. Hence, exception is resolved. | 09/15/2022 - Final 1003 received. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 09/09/2022 |
| xx | xx | 68047 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 504EQKE3RSD-HAXW60NB | Resolved | 3 | R | \* Missing legal documents for senior or subordinate lien (Lvl R) | Missing copy of the Note for the senior lien with xx. dated xx.<br>10/05/2022 - Not Resolved - Mortgage statement is not acceptable to cure this exception. We need to verify the terms of the senior Note (ARM, Interest Only, Neg Amortization, etc.), the mortgage statement only shows the current interest rate and payment.<br>10/14/2022 - We have received the information that we need to verify the terms of the first mortgage and it satisfies the guideline requirements. Hence, exception is resolved. | 10/14/2022 - We have received the information that we need to verify the terms of the first mortgage and it satisfies the guideline requirements. Hence, exception is resolved. | 10/14/2022 - We have received the information that we need to verify the terms of the first mortgage and it satisfies the guideline requirements. Hence, exception is resolved. |  |  | QC Complete | 11/02/2022 | 11/02/2022 | 11/02/2022 | 09/29/2022 |
| xx | xx | 68047 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 504EQKE3RSD-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 9.527% Allowed: 9.230% Overby: +0.297%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/02/2022 | 11/02/2022 | 11/02/2022 | 09/29/2022 |
| xx | xx | 68047 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Title Review | 504EQKE3RSD-0Z8FCV11 | Resolved | 3 | R | \* Title reports unpaid liens (Lvl R) | Preliminary title report in the file shows a mechanic's lien against the subject property in the amount of $7030 dated 5/7/2021 with xx and xx. No evidence in the file provided to show the lien has been released.<br>10/05/2022 - Title supplement received for mechanic lien. Hence, exception is resolved. | 10/05/2022 - Title supplement received for mechanic lien. Hence, exception is resolved. | 10/05/2022 - Title supplement received for mechanic lien. Hence, exception is resolved. |  |  | QC Complete | 11/02/2022 | 11/02/2022 | 11/02/2022 | 09/30/2022 |
| xx | xx | 68047 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 504EQKE3RSD-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 9.527% Allowed: 9.230% Overby: +0.297%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 11/02/2022 | 12/07/2022 | 12/07/2022 | 11/02/2022 |
| xx | xx | 65062 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | ABX4TLB3OD1-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID Violation due to a fee increase on CD dated 02/25/2022. LE dated 02/16/2022 reflects a Origination Points at $5860.00 & Loan Amount Points at $2930.00, however, CD dated 02/25/2022 reflects the Origination Points at $6600.00 & Loan Amount Points at $3300.00. This is a fee increase of $1110.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees. Cure to the Borrower is required or COC is required.<br>Resolved 3/24/2022 : Received COC document and updated, hence conditions is cleared. | Resolved 3/24/2022 : Received COC document and updated, hence conditions is cleared. | Resolved 3/24/2022 : Received COC document and updated, hence conditions is cleared. |  |  | QC Complete | 03/11/2022 | 03/24/2022 | 03/24/2022 | 03/11/2022 |
| xx | xx | 65062 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | ABX4TLB3OD1-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Value on AVM is more than 10% on negative side than appraisal value. CDA to be ordered.<br>04/12/2022 - Received CDA. Hence, condition is resolved. | 04/12/2022 - Received CDA. Hence, condition is resolved. | 04/12/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/11/2022 | 04/12/2022 | 04/12/2022 | 03/11/2022 |
| xx | xx | 63581 |  | xx | Illinois | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | Z2NFXP1GSZV-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Both CU Risk Scores are missing. AVM to be ordered.<br>04/07/2022 - Received AVM and condition has been resolved. | 04/07/2022 - Received AVM and condition has been resolved. | 04/07/2022 - Received AVM and condition has been resolved. |  |  | QC Complete | 03/14/2022 | 04/07/2022 | 04/07/2022 | 03/14/2022 |
| xx | xx | 65066 |  | xx | Washington | xx | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | AXFBMM51SPR-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU risk scores are missing.<br>05/09/2022 - Received AVM the confidence score is 0.1870 which is more than threshold limit. CDA to be ordered.<br>05/19/2022 - Received CDA. Hence, condition is resolved. | 05/19/2022 - Received CDA. Hence, condition is resolved. | 05/19/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 04/29/2022 |
| xx | xx | 65066 |  | xx | Washington | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | AXFBMM51SPR-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | This is condominium property & Condo Questionnaire is missing.<br>07/27/2022 - Received Condo Questionnaire. Hence condition resolved. | 07/27/2022 - Received Condo Questionnaire. Hence condition resolved. | 07/27/2022 - Received Condo Questionnaire. Hence condition resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 04/29/2022 |
| xx | xx | 65066 |  | xx | Washington | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | AXFBMM51SPR-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Initial Closing Disclosure is missing in the loan package. Kindly provide Initial Closing Disclosure.<br>Not Resolved 7/27/2022 : Received 3 days waiting period waiver document is e-signed, need borrower hand written and hand signed to clear the conditions. <br> Note : Revised LE dated 4/18/2022 and Final CD is 4/21/2022, not met the guidelines from Revised LE to Final CD 4 days gap.<br>Not Resolved 09/01/2022 : Received document is electronic letter type and e-signed by borrower, hence issue remains same.<br>Resolved 11/10/2022 : Received handwritten waiver request of the three day waiting period signed by the borrower as required in the regulation, hence condition resolved. | Resolved 11/10/2022 : Received handwritten waiver request of the three day waiting period signed by the borrower as required in the regulation, hence condition resolved. | Resolved 11/10/2022 : Received handwritten waiver request of the three day waiting period signed by the borrower as required in the regulation, hence condition resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 65066 |  | xx | Washington | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | AXFBMM51SPR-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: charged 6.731% allowed 6.240% over by +0.491%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 11/10/2022 |
| xx | xx | 63588 |  | xx | Georgia | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | KR24CEV5N3G-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing Secondary Valuation required for Securitization. Both CU Risk Score is not available.<br>12/10 - AVM document is provided and This condition was cleared | 12/10 - AVM document is provided and This condition was cleared | 12/10 - AVM document is provided and This condition was cleared |  |  | QC Complete | 11/10/2021 | 12/14/2021 | 12/14/2021 | 11/10/2021 |
| xx | xx | 61702 |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | NRNRWVLMB2F-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Please provide Secondary Appraisal Report Document For Subject Property as CU score is missing.Additional valuation product not found in file, additional product will be ordered to validate appraised value."<br>01/24/2022 - Received AVM as secondary valuation & condition resolved. | 01/24/2022 - Received AVM as secondary valuation & condition resolved. | 01/24/2022 - Received AVM as secondary valuation & condition resolved. |  |  | QC Complete | 12/06/2022 | 12/06/2022 | 12/06/2022 | 12/21/2021 |
| xx | xx | 60654 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | YYTHGLSI2NC-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Secondary valuation required as CU score in the subject loan is missing.Additional valuation product not found in file, additional product will be ordered to validate appraised value.<br>01/24/2022 - Not resolved - Received AVM as secondary valuation but variance above 40% & FSD score is 0.129. Please provide desk review or additional valuation.<br>02/03/2022 - Received CDA as additional valuation & condition resolved. | 02/03/2022 - Received CDA as additional valuation & condition resolved. | 02/03/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 12/06/2022 | 12/06/2022 | 12/06/2022 | 12/22/2021 |
| xx | xx | 65093 |  | xx | Arizona | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 2KE34CWVOCD-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged 7.263% Allowed 5.120% Over by+2.143%<br>Resolved 08/05/2022 :HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved 08/05/2022 :HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved 08/05/2022 :HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/05/2022 |
| xx | xx | 65093 |  | xx | Arizona | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 2KE34CWVOCD-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Final 1003 Missing from the loan file.<br>07/14/2022 - Not resolved Final 1003 received but borrower sign is missing.<br>07/21/2022 - Signed Final 1003 received. Hence, condition is resolved. | 07/21/2022 - Signed Final 1003 received. Hence, condition is resolved. | 07/21/2022 - Signed Final 1003 received. Hence, condition is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 04/28/2022 |
| xx | xx | 65093 |  | xx | Arizona | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | 2KE34CWVOCD-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Loan program is 12 months bank statement. Please provide 9/1/2021-to 9/30/2021 Bank Statement to Calculate 12 Months Bank Statement Income. As it is missing from the loan file. We have September 2020 bank statement but not 2021. For "xx" business account and acct #xx<br>08/18/2022 - Received bank statement for September 2021 for "xx" business account and acct #xx. Hence, exception is resolved. | 08/18/2022 - Received bank statement for September 2021 for "xx" business account and acct #xx. Hence, exception is resolved. | 08/18/2022 - Received bank statement for September 2021 for "xx" business account and acct #xx. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 04/28/2022 |
| xx | xx | 63664 |  | xx | Arizona | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | ZRLKLMSVERA-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Confidence score on AVM is 0.18 which exceeds threshold limit. CDA to be ordered.<br>04/12/2022 - Received CDA. Hence, condition is resolved. | 04/12/2022 - Received CDA. Hence, condition is resolved. | 04/12/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/14/2022 | 04/12/2022 | 04/12/2022 | 03/11/2022 |
| xx | xx | 63677 |  | xx | Arizona | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | N2Z2QPBEZZZ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU scores were missing in the file.AVM to be ordered.<br>04/07/2022 - Received AVM. Hence, condition is resolved. | 04/07/2022 - Received AVM. Hence, condition is resolved. | 04/07/2022 - Received AVM. Hence, condition is resolved. |  |  | QC Complete | 03/11/2022 | 04/07/2022 | 04/07/2022 | 03/11/2022 |
| xx | xx | 63680 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Doc Issue | SNNKQDPM0IJ-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Cu Score is missing and AVM provided, the Variance % is 0.539% , FSD confidence score is 0.17, Hence we need CDA.' CDA to be ordered<br>04/12/2022 - Received CDA. Hence, condition is resolved. | 04/12/2022 - Received CDA. Hence, condition is resolved. | 04/12/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/11/2022 | 04/12/2022 | 04/12/2022 | 03/11/2022 |
| xx | xx | 63699 |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | PRARGOGP1PS-KMWEVJ70 | Resolved | 3 | R | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | Final Closing Disclosure is missing in this loan package. Please provide Final Closing Disclosure.<br>Not Resolved 3/24/2022 : Received Seller CD instead of Final Closing Disclosure, issue remains same.<br>Not Resolved 4/15/2022 : Received Seller CD instead of Final Closing Disclosure, issue remains same.<br>Not Resolved : Received Final CD dated 3/01/2022 from the client but the borrower not signed. Kindly provide the Final CD with fully Executed.<br>Resolved 6/29/2022 : Received Final Closing Disclosure and updated, hence condition clearing. | Resolved 6/29/2022 : Received Final Closing Disclosure and updated, hence condition clearing. | Resolved 6/29/2022 : Received Final Closing Disclosure and updated, hence condition clearing. |  |  | QC Complete | 03/11/2022 | 06/29/2022 | 06/29/2022 | 03/11/2022 |
| xx | xx | 65105 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | ANJ0ZRV33X3-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Provide CDA as value on AVM $xx exceeds the value on Appraisal $xx by more than 10% on negative side. CDA to be ordered<br>05/23/2022 - Received CDA. Hence, condition is resolved. | 05/23/2022 - Received CDA. Hence, condition is resolved. | 05/23/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/21/2022 | 05/23/2022 | 05/23/2022 | 03/21/2022 |
| xx | xx | 63732 |  | xx | Georgia | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | KB1HNWCOPZQ-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide CDA or simliar document as provided AVM reflects confidence score as 0.27 which is greater than 0.10 (CA valuation)<br>04/12/2022 - Received CDA. Hence, condition is resolved. | 04/12/2022 - Received CDA. Hence, condition is resolved. | 04/12/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/11/2022 | 04/12/2022 | 04/12/2022 | 03/11/2022 |
| xx | xx | 63732 |  | xx | Georgia | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | KB1HNWCOPZQ-3L2978EM | Resolved | 3 | R | \* Assets do not meet guidelines (Lvl R) | Assets are not sufficient to cover the cash to close. Total assets required from borrower is $16342.57 +12 months reserve required 22845.72 . Total assets verified in the amount of $22845.72.<br>Assets are short to close in the amount of $33029.43 Provide a copy of most recent bank statement/retirement/investment to evidence funds In the amount Of $33029.43 .<br>3/25/2022 - Received final settlement statement with updated closing cost (Cash from Borrower) and Assets are sufficient to cover the closing cost and reserves are not required in the loan as LTV is xx% and condition has been resolved | 3/25/2022 - Received final settlement statement with updated closing cost (Cash from Borrower) and Assets are sufficient to cover the closing cost and reserves are not required in the loan as LTV is xx% and condition has been resolved | 3/25/2022 - Received final settlement statement with updated closing cost (Cash from Borrower) and Assets are sufficient to cover the closing cost and reserves are not required in the loan as LTV is xx% and condition has been resolved |  |  | QC Complete | 03/11/2022 | 03/25/2022 | 03/25/2022 | 03/11/2022 |
| xx | xx | 65107 |  | xx | Texas | xx | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | SEZ4MIJS2AY-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 6.530% Allowed 5.110% Over by +1.420%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/11/2022 |
| xx | xx | 65107 |  | xx | Texas | xx | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | SEZ4MIJS2AY-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | "Provide missing information for REO Property located at: xx - ,Tax Bill or HOA if applicable. If taxes & Insurance are escrowed, provide mortgage statement for the same."<br>07/27/2022 - Received LOE for said property and how it is part of borrowers business with multiple addresses along with tax bill. Hence, exception is resolved. | 07/27/2022 - Received LOE for said property and how it is part of borrowers business with multiple addresses along with tax bill. Hence, exception is resolved. | 07/27/2022 - Received LOE for said property and how it is part of borrowers business with multiple addresses along with tax bill. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 04/28/2022 |
| xx | xx | 65107 |  | xx | Texas | xx | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | SEZ4MIJS2AY-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | "TRID Violation due to a fee increase on Initial CD dated 04/08/2022. Revised LE dated 04/06/2022 reflects a Appraisal update fee at $0.00, however, Initial CD dated 04/08/2022 reflects the Appraisal update fee at $600.00. This is a fee increase of $600.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees."<br>08/04/2022 : Not Resolved - Still missing COC or cure amount to resolve the condition.<br>Resolved 8/11/2022 : Received LOE for Appraisal fee paid by broker showing on invoice, hence conditions is resolved. | Resolved 8/11/2022 : Received LOE for Appraisal fee paid by broker showing on invoice, hence conditions is resolved. | Resolved 8/11/2022 : Received LOE for Appraisal fee paid by broker showing on invoice, hence conditions is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 65126 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | RZIBECHTDRT-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | On loan packages Changed Circumstance dated 3/30/2022 have received for changes of Loan Discount Points increased from $1,515.00 to $3,030.00 but within 3 business days of COC document we have not received revised CD. Please provide the revised CD to solve the conditions. <br> Either provide COC for Final CD dated 4/12/2022 to increased on Loan Discounts Points from $1,515.00 to $3,030.00. Please provide either a valid COC or PCCD, LOE, proof of delivery, and copy of refund check in the amount of $1,515.00<br>08/12/2022 NOT RESOLVED : Receive PCCD instead of COC document, Hence issue remains the same.<br>Resolved 09/08/2022 : Received lender response for "This CD as CIC dated 03/30 was sent via regular email as opposed to doc magic tracking system due to system issues as a proof that the CIC was sent to the borrowers" hence condition cleared. | Resolved 09/08/2022 : Received lender response for "This CD as CIC dated 03/30 was sent via regular email as opposed to doc magic tracking system due to system issues as a proof that the CIC was sent to the borrowers" hence condition cleared. | Resolved 09/08/2022 : Received lender response for "This CD as CIC dated 03/30 was sent via regular email as opposed to doc magic tracking system due to system issues as a proof that the CIC was sent to the borrowers" hence condition cleared. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 65126 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | RZIBECHTDRT-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU risk scores are missing.<br>05/09/2022 - Received AVM the Variance is -12.497% which is more than threshold limit. CDA to be ordered.<br>05/19/2022 - Received CDA. Hence, condition is resolved. | 05/19/2022 - Received CDA. Hence, condition is resolved. | 05/19/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 04/26/2022 |
| xx | xx | 65126 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | RZIBECHTDRT-EB2MK65Q | Resolved | 3 | R | \* TILA Finance Charge (Lvl R) | Finance charge disclosed on Final CD as $388818.71. Calculated Finance Charge is $389013.71 for an under disclosed amount of $195. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. | 08/12/2022 Resolved : Updated lender credit as per the document and resolved. | 08/12/2022 Resolved : Updated lender credit as per the document and resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 65126 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | RZIBECHTDRT-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 5.275% Allowed 5.260% Over by+0.015%<br>Resolved 08/05/2022 :HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved 08/05/2022 :HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved 08/05/2022 :HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 07/15/2022 |
| xx | xx | 65126 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | RZIBECHTDRT-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 5.275% Allowed 5.260% Over by +0.015%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 09/08/2022 |
| xx | xx | 65126 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | RZIBECHTDRT-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | TRID tolerance test is incomplete due to Initial CD is missing from loan documents<br>Resolved 6/29/2022 : Received Initial Closing Disclosure document Dated 3/24/2022 updated , hence condition cleared. | Resolved 6/29/2022 : Received Initial Closing Disclosure document Dated 3/24/2022 updated , hence condition cleared. | Resolved 6/29/2022 : Received Initial Closing Disclosure document Dated 3/24/2022 updated , hence condition cleared. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 65160 |  | xx | Washington | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | TP4CH0U0CUJ-RO3KRP0K | Resolved | 3 | R | \* TRID Violations (Lvl R) | TRID Violation due to a Re-cert value fee added on Initial CD dated 04/07/2022. Revised LE dated 03/08/2022 reflects Re-cert Value fee$0.00, however, initial CD dated 04/07/2022 reflects the Re-cert Value fee at $200.00 This is added of $200.00 Provide valid COC to clear this or PCCD, LOE, proof of delivery, and copy of the refund check to cure the added Re-cert fee.<br>Resolved 8/18/2022 : Received PCCD document and updated, hence condition cleared. | Resolved 8/18/2022 : Received PCCD document and updated, hence condition cleared. | Resolved 8/18/2022 : Received PCCD document and updated, hence condition cleared. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 65160 |  | xx | Washington | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | TP4CH0U0CUJ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 8.005% Allowed 5.330% Over by +2.675%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/05/2022 |
| xx | xx | 65160 |  | xx | Washington | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | TP4CH0U0CUJ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CDA to be ordered. Received AVM the confidence score is 0.1400 which is more than threshold limit.<br>05/23/2022 - Received CDA. Hence, condition is resolved. | 05/23/2022 - Received CDA. Hence, condition is resolved. | 05/23/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 05/10/2022 |
| xx | xx | 65160 |  | xx | Washington | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | TP4CH0U0CUJ-JB8D6DUS | Resolved | 3 | R | \* Missing Final 1003_Application (Lvl R) | In Final 1003 lender Loan information (Section L4) is missing in this package.<br>07/27/2022 - Received updated Final 1003 along with lender loan information in section L4. Hence condition resolved. | 07/27/2022 - Received updated Final 1003 along with lender loan information in section L4. Hence condition resolved. | 07/27/2022 - Received updated Final 1003 along with lender loan information in section L4. Hence condition resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 05/10/2022 |
| xx | xx | 65178 |  | xx | Arizona | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | Z0IFJHYRSLV-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU scores are missing.<br>05/19/2022 - CDA to be ordered. Received AVM the Variance is -25.504% which is more than threshold limit.<br>06/02/2022 - Received CDA. Hence, condition is resolved. | 06/02/2022 - Received CDA. Hence, condition is resolved. | 06/02/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 05/11/2022 |
| xx | xx | 65178 |  | xx | Arizona | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | Z0IFJHYRSLV-NBCM41QJ | Resolved | 3 | R | \* tax return (Lvl R) | 4506-T missing from the loan file.<br>09/01/2022 - As per UW mgmt of xx. document 4506-T has been removed from closing package years ago and no longer required. This loan qualified under receivable Note income and bank statements in file supporting the income receipt/deposit is sufficient as requirement. Hence, exception is resolved. | 09/01/2022 - As per UW mgmt of xx. document 4506-T has been removed from closing package years ago and no longer required. This loan qualified under receivable Note income and bank statements in file supporting the income receipt/deposit is sufficient as requirement. Hence, exception is resolved. | 09/01/2022 - As per UW mgmt of xx. document 4506-T has been removed from closing package years ago and no longer required. This loan qualified under receivable Note income and bank statements in file supporting the income receipt/deposit is sufficient as requirement. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 05/09/2022 |
| xx | xx | 65178 |  | xx | Arizona | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | Z0IFJHYRSLV-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 6.660% Allowed 6.420% Over by +0.240%<br>Resolved 08/05/2022: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved 08/05/2022: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved 08/05/2022: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/05/2022 |
| xx | xx | 65179 |  | xx | Florida | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Compliance | Compliance | Z00YSZLPMHM-NFSUVLR0 | Resolved | 3 | R | \* Missing Required State Disclosures (Lvl R) | Condo questionnaire document is missing in the package, Please provide the updated document<br>08/12/2022 - HOA Certification received. Hence, exception is resolved. | 08/12/2022 - HOA Certification received. Hence, exception is resolved. | 08/12/2022 - HOA Certification received. Hence, exception is resolved. |  |  | QC Complete | 05/02/2022 | 08/12/2022 | 08/12/2022 | 05/02/2022 |
| xx | xx | 65179 |  | xx | Florida | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | Z00YSZLPMHM-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU risk scores are missing.<br>05/09/2022 - Received AVM. Hence, condition is resolved. | 05/09/2022 - Received AVM. Hence, condition is resolved. | 05/09/2022 - Received AVM. Hence, condition is resolved. |  |  | QC Complete | 05/02/2022 | 05/09/2022 | 05/09/2022 | 05/02/2022 |
| xx | xx | 65187 |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Legal Docs | Hazard Insurance | RIXFZLRKP0A-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Replacement cost on hazard insurance total estimated cost new on appraisal.<br>Dwelling coverage does not cover loan amount. Hazard insurance policy reflects replacement cost , however it does not cover total estimated cost new of appraisal.<br>07/27/2022 - Received updated hazard policy which covers the Estimated reconstruction cost. Hence condition resolved. | 07/27/2022 - Received updated hazard policy which covers the Estimated reconstruction cost. Hence condition resolved. | 07/27/2022 - Received updated hazard policy which covers the Estimated reconstruction cost. Hence condition resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 07/27/2022 |
| xx | xx | 65187 |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | RIXFZLRKP0A-JB8D6DUS | Resolved | 3 | R | \* Missing Final 1003_Application (Lvl R) | Lender Loan Information is missing for final 1003<br>08/12/2022 - Not Resolved - Lender Loan Information is still missing from the provided 1004.<br>08/18/2022 - 1003 with Lender Loan Information received. Hence, exception is resolved. | 08/18/2022 - 1003 with Lender Loan Information received. Hence, exception is resolved. | 08/18/2022 - 1003 with Lender Loan Information received. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 05/02/2022 |
| xx | xx | 65228 |  | xx | Florida | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 2DDQV5OIUBJ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CDA to be ordered as confidence score on AVM is 14 which is more than threshold limit<br>05/20/2022 - CDA received. Hence, condition clear. | 05/20/2022 - CDA received. Hence, condition clear. | 05/20/2022 - CDA received. Hence, condition clear. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 65228 |  | xx | Florida | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Compliance | Compliance | 2DDQV5OIUBJ-GN9O4TEF | Resolved | 3 | R | \* Notice of Servicing Transfer missing or unexecuted (Lvl R) | Provide Notice of Servicing transfer .<br>08/18/2022 - Notice of Servicing transfer not required since servicing with xx lending/CSC retained and servicing has not transfered to another entity. | 08/18/2022 - Notice of Servicing transfer not required since servicing with xx lending/CSC retained and servicing has not transfered to another entity. | 08/18/2022 - Notice of Servicing transfer not required since servicing with xx lending/CSC retained and servicing has not transfered to another entity. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/18/2022 |
| xx | xx | 65243 |  | xx | California | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | I405OB5UA4R-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CDA to be ordered as confidence score on AVM is 0.19 which exceeds the guidelines limit.<br>05/19/2022 - Received CDA. Hence, condition is resolved. | 05/19/2022 - Received CDA. Hence, condition is resolved. | 05/19/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 04/28/2022 |
| xx | xx | 65243 |  | xx | California | xx | Purchase | Not Covered/Exempt | 3 | 1 | Legal Docs | Hazard Insurance | I405OB5UA4R-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Hazard coverage amount does not cover the loan amount.<br>08/12/2022 - Estimated Replacement Cost received for $777,000.00. Dwelling amount is $777,000.00 which is equal to replacement cost. Hence, exception is resolved. | 08/12/2022 - Estimated Replacement Cost received for $777,000.00. Dwelling amount is $777,000.00 which is equal to replacement cost. Hence, exception is resolved. | 08/12/2022 - Estimated Replacement Cost received for $777,000.00. Dwelling amount is $777,000.00 which is equal to replacement cost. Hence, exception is resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/12/2022 |
| xx | xx | 65265 |  | xx | New Jersey | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | YYLHCBLSSZV-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing 4506-C document in the package.<br>08/08/2022 - As per the guidelines & conformation, 4506-C is not required for Bank statement program. Hence, condition resolved. | 08/08/2022 - As per the guidelines & conformation, 4506-C is not required for Bank statement program. Hence, condition resolved. | 08/08/2022 - As per the guidelines & conformation, 4506-C is not required for Bank statement program. Hence, condition resolved. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 05/03/2022 |
| xx | xx | 65265 |  | xx | New Jersey | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | YYLHCBLSSZV-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | LE dated 04/04/2022 reflects a Credit Report Fee at $23.00, however, Final CD dated 4/27/2022 reflects the Credit Report Fee at $24.05. This is a fee increase of $1.05 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees. Cure to the Borrower is required or COC is required.<br>Resolved 8/18/2022 : Received PCCD document and updated, hence condition cleared. | Resolved 8/18/2022 : Received PCCD document and updated, hence condition cleared. | Resolved 8/18/2022 : Received PCCD document and updated, hence condition cleared. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| xx | xx | 65265 |  | xx | New Jersey | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | YYLHCBLSSZV-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced<br> mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 6.664% Allowed 6.240% Over by +0.424%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/05/2022 |
| xx | xx | 63799 |  | xx | Texas | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | JWIKDAWW2SH-2V98IP5H | Resolved | 3 | R | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl R) | Required Affiliated Business disclosure Missing/Unexecuted.<br>7/13 no affiliated relationships per client | 7/13 no affiliated relationships per client | 7/13 no affiliated relationships per client |  |  | QC Complete | 03/14/2022 | 08/08/2022 | 08/08/2022 | 03/14/2022 |
| xx | xx | 63799 |  | xx | Texas | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | JWIKDAWW2SH-XRW0S8RB | Resolved | 3 | R | \* Disclosure - Your Home Loan Toolkit is missing or unexecuted (Lvl R) | Disclosure - Your Home Loan Toolkit is missing or unexecuted<br>7/5/2022 - Received Home Loan Toolkit and condition is resolved | 7/5/2022 - Received Home Loan Toolkit and condition is resolved | 7/5/2022 - Received Home Loan Toolkit and condition is resolved |  |  | QC Complete | 03/14/2022 | 07/05/2022 | 07/05/2022 | 03/14/2022 |
| xx | xx | 61320 |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | H0ZXMRZLPZT-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL 4.759% 4.660% +0.099%<br>Resolved 08/05/2022: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved 08/05/2022: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved 08/05/2022: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 08/05/2022 |
| xx | xx | 63052 |  | xx | California | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | FDTS2QEAH4T-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Secondary Valuation required as both CU score is missing in file.<br>5/2/2022 - Received CDA and condition is resolved | 5/2/2022 - Received CDA and condition is resolved | 5/2/2022 - Received CDA and condition is resolved |  |  | QC Complete | 01/13/2022 | 05/02/2022 | 05/02/2022 | 01/13/2022 |
| xx | xx | 60449 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | QYI2GTTYGC4-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Written VOE dated 11/02/2021 is missing for Borrower 1 to calculate the income of $9,630.00 as per income calculations worksheet.<br>3/23/2022 - Received Written VOE for the borrower and condition has been resolved | 3/23/2022 - Received Written VOE for the borrower and condition has been resolved | 3/23/2022 - Received Written VOE for the borrower and condition has been resolved |  |  | QC Complete | 12/21/2021 | 03/23/2022 | 03/23/2022 | 12/21/2021 |
| xx | xx | 60143 |  | xx | California | xx | Refinance | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | EX5H0GE0XQW-G6BL1RRN | Resolved | 3 | R | \* The COC is missing (Lvl R) | TRID Violation due to a fee increase on LE dated 11/17/2021. LE dated 10/07/2017 reflects a Recording Fee $246.00 however, Revised LE dated 11/17/2017 reflects the Recording Fee of $281.00. This is a fee increase of $10.4 for a 10% tolerance. Hence valid COC or cure required.<br>Missing valid COC for a fee increase on LE dated 10/07/2021. LE dated 09/09/2021 reflects a Title - Settlement Fee of $450.00, however, Revised LE dated 10/07/2021 reflects the Title - Settlement Fee of $550.00. This is a cumulative fee increase of 10% in Creditor's Providers Fees which exceeds the 10% tolerance for Creditor's Providers fees and a valid COC is required.<br>Resolved 3/18/2022 : Received COC and updated, hence conditions is cleared. | Resolved 3/18/2022 : Received COC and updated, hence conditions is cleared. | Resolved 3/18/2022 : Received COC and updated, hence conditions is cleared. |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/08/2021 |
| xx | xx | 60143 |  | xx | California | xx | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Credit | EX5H0GE0XQW-53UNNI64 | Waived | 2 | W | \* Excessive DTI (Lvl W) | DTi > 50% is approved on compensating factors such as FICO 797 & Low LTV xx% with exception approval form available in page 2. |  |  | FICO 797 & Low LTV xx% |  | QC Complete | 12/05/2022 |  |  | 12/13/2021 |

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## Exhibit 99.36

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.36**

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| **Loan Number** | **Redacted ID** | **Seller Loan Number** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Valuation Comments** | **General Comments** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| xx | 63560 |  | xx | Washington | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets do not meet guidelines - EV R<br> COMMENT: "Transaction is Refinance of Investment residence. Funds required to close are $2,372.95. Total Assets verified in the amount of $0.00. <br> Provide a copy of most recent bank statement/retirement/investment to evidence funds In the amount Of $2,372.95 for closing . Prove Source Of Any Large Non-Payroll Deposits."<br>07/27/2022 - As per uploaded credit memo, for business purpose/DSCR loans, verification of the seasoning of funds to close is not required on loans of 70% LTV and below. Also We do not have any guidelines that require us to source and season line item deposits. FNMA may have this requirement but xx do not. Hence, condition is resolved. |  |  | Appraisal has provided 4 comps to support the opinion of value.Appraisal has ticked on As is on xx with the appraised value $xx |  | Single Family | xx | xx | xx | Investor | Refinance | 799 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/05/2022 |
| xx | 65046 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by #6 comparable |  | Single Family | xx | xx | xx | Investor | Purchase | 782 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/24/2022 |
| xx | 63563 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by #6 comparable |  | Single Family | xx | xx | xx | Investor | Refinance | 729 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 03/25/2022 |
| xx | 65048 |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: Final Closing Disclosure is missing in the loan package. Kindly provide Final Closing Disclosure.<br>Resolved 7/27/2022 : Received Final Closing Disclosure document dated 2/11/2022 and updated, hence conditions cleared. |  |  | Appraisal has provided 5 comps to support the opinion of value Appraisal has ticked on As Is on xx. With the appraised value xx |  | Single Family | xx | xx | xx | Investor | Cash Out | 743 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/05/2022 |
| xx | 63568 |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: BOth the CU scores are missing. AVM to be ordered.<br>05/24/2022 - Received CDA. Hence, condition is resolved. |  |  | Appraisal has provided 5 comps to support the opinion of value<br> Appraisal has ticked on As Is on xx. With the appraised value xx |  | 2 Family | xx | xx | xx | Investor | Cash Out | 743 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/05/2022 |
| xx | 65049 |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Confidence score on AVM is 0.13 which is more than threshold limit. CDA to be ordered.<br>05/09/2022 - Received CDA. Hence, condition is resolved. |  |  | Appraisal has provided #5comps to support the opinion of value<br> Appraisal has ticked on as is on xx with Appraised value of $xx |  | Single Family | xx | xx | xx | Investor | Cash Out | 743 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 03/24/2022 |
| xx | 61233 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 7 comps to support the opinion of value.Appraisal has ticked on As is on xx with the appraised value xx |  | Single Family | xx | xx | xx | Primary | Purchase | 758 |  | xx | 9.91 | $9406.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.390% | No | Alternative | QC Complete | 12/28/2021 |
| xx | 61234 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by 6 comps |  | Single Family | xx | xx | xx | Primary | Cash Out | 813 | 8.25 | xx | 3.58 | $7000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 45.962% |  | Full Documentation | QC Complete | 12/22/2021 |
| xx | 65569 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | The appraised value of $xx from xx is an As-Is value and is well supported by six comparable. |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 681 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/02/2022 |
| xx | 65570 |  | xx | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 6 comps to support the opinion of value. |  | Single Family | xx | xx | xx | Investor | Cash Out | 685 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/05/2022 |
| xx | 66032 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | The appraised value of $xx from xx is an As-Is value and is well supported by six comparable. |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Refinance | 732 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 06/29/2022 |
| xx | 66035 |  | xx | Hawaii | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Require 12 months bank statements for xx (xx) of account number- xx , as it is missing in the package.<br>6/30/2022 - Received 12 months bank statements for xx (xx) of account number- xx and condition is resolved |  |  | The appraised value of $xx from xx is an As-Is value and is well supported by six comparable |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 732 |  | xx | 10 | $27100.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.730% | No | Alternative | QC Complete | 06/30/2022 |
| xx | 65571 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | The appraised value of $xx from xx is an As-Is value and is well supported by seven comparable |  | Single Family | xx | xx | xx | Primary | Purchase | 740 |  | xx | 15 | $450000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.214% | No | Alternative | QC Complete | 06/02/2022 |
| xx | 66039 |  | xx | Florida | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Cash reserves less than required by guidelines - EV W<br> COMMENT: Borrower is short of assets. Verified assets $224,079.48 and funds to close $186,824.64 ($224,079.48-$186,824.64) = $37,254.84. Reserve requirement as per guideline 12 months xPITIA = $53,599.92. Borrower is short of $16,345.08 ($37,254.84-$53,599.92)<br>6/30/2022 - Received exception approval form for the short on reserves for the purchase of an investment property , citing this as an warning. | FICO - 705 - 25 points higher than min required 680<br> Borrower has been SE for 32 years <br> 0x30x24 | The appraised value of $xx from xx is an As-Is value and is well supported by six comparable |  | Single Family | xx | xx | xx | Investor | Purchase | 705 |  | xx | 35 | $12717.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.619% | No | Alternative | QC Complete | 06/29/2022 |
| xx | 67103 |  | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Loan file contains state tax lien in the amount of $244,870.19 for the year 2020, 2019 & 2018, Proof of release is missing in the loan file. 08/03/2022 - Received Final Borrower Closing Statement with updated payoff of State tax line in the amount of $244,870.19. Hence condition resolved. |  |  | The appraised value of $xx from xx is an As-Is value and is well supported by six comparable. |  | PUD | xx | xx | xx | Primary | Cash Out | 668 | 7 | xx | 15 | $84280.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 49.956% |  | Alternative | QC Complete | 07/30/2022 |
| xx | 67579 |  | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: As per loan file in final 1003 Uniform residential loan application - Lender loan information document is missing , hence required updated document .<br>09/08/2022 - Not Resolved - Lender loan information document is still missing.<br>09/16/2022 - Lender loan information document received. Hence, exception is resolved.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: 09/08/2022 - Hazard insurance received which has dwelling coverage $283,000.00. And as per document replacement cost is upto dwelling coverage. Hence, exception is resolved.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: Provide an acceptable appraisal with an interior and exterior property inspection supporting a value of $xx is required.<br>09/08/2022 - Appraisal received. Hence, exception is resolved.<br>\*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Provide a copy of hazard insurance of the subject property.<br>09/08/2022 - Hazard insurance received. Hence, exception is resolved. |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 695 |  | xx | 10 | $116493.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.765% | No | Alternative | QC Complete | 12/05/2022 |
| xx | 67580 |  | xx | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 8.295% Allowed 7.700% Over by +0.595%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: As per the guidelines 90 days of seasoning is required for the documentation used for asset qualification . provide most recent 3 months of statements of account xx #xx to verify the income. Income needs to be recalculated as per the receipt of documents.<br>09/02/2022 - No changes required as per the bank statement received of account# xx. Hence, exception is resolved. |  |  | used #6 comparable to support the opinion value of appraiser |  | Single Family | xx | xx | xx | Primary | Purchase | 670 |  |  |  | $24696.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.010% | No | Alternative | QC Complete | 12/05/2022 |
| xx | 67101 |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Previous Note is missing - EV R<br> COMMENT: As per lending guide Copy of first mortgage note or billing statement is required in the amount of xx.<br>08/23/2022 - Note document received. Hence, exception is resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: Charged 10.236% Allowed 6.870% Over by +3.366%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: "This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 10.236% Allowed 6.870% Over by +3.366%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | The appraised value of $xx from xx is an As-Is value and is well supported by five comparable. |  | Single Family | xx | xx | xx | Primary | Cash Out | 698 | 0.08 | xx | 20 | $150125.07 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 20.057% |  | Alternative | QC Complete | 12/05/2022 |
| xx | 67582 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | The Appraisal Has Been Marked As-Is On xx With The Value $xx. The Appraiser Has Provided 4 ComparablesTo Support The Opinion Of The Value. |  | Single Family | xx | xx | xx | Investor | Cash Out | 675 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 09/14/2022 |
| xx | 67583 |  | xx | Washington | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Photographs on the appraisal report is reflecting a human object.<br>10/07/2022 - Picture correction report received. Hence, exception is resolved.<br>\*\*\* (CURED) No HOA fees on appraisal and property identified as a PUD - EV R<br> COMMENT: As per Mortgage(DOT) document property is PUD and PUD rider is present in the package, Final 1003 has mentioned HOA fees as $88, Appraisal report has mentioned as property is PUD detached, But HOA is not given on appraisal report, However required Updated appraisal report with mentioned HOA fees.<br>10/07/2022 - Updated appraisal received with $88.00 HOA fees. Hence, exception is resolved. |  |  | The Appraisal Has Been Marked As-Is On xx With The Value $xx,<br> The Appraise Has Provided 5 ComparablesTo Support The Opinion Of The Value. |  | PUD | xx | xx | xx | Investor | Cash Out | 700 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/05/2022 |
| xx | 67584 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal marked AS-IS value is $xx dated xx ,verified 5 comparable . |  | Single Family | xx | xx | xx | Investor | Cash Out | 771 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 09/14/2022 |
| xx | 67585 |  | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged : 9.549% Allowed : 6.560% Over By : +2.989%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged : 9.549% Allowed : 6.560% Over By : +2.989%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Supported 6 Comparable. |  | Single Family | xx | xx | xx | Primary | Cash Out | 785 | 20 | xx | 12 | $39472.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 25.134% |  | Alternative | QC Complete | 12/06/2022 |
| xx | 68041 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Verified Through 9 Comparable |  | Single Family | xx | xx | xx | Investor | Refinance | 731 |  | xx | 15 | $23473.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.135% |  | Alternative | QC Complete | 09/28/2022 |
| xx | 67586 |  | xx | Georgia | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 7.483% Allowed 6.780% Over by +0.703%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | used #5 comparable to support the opinion value of appraiser |  | PUD | xx | xx | xx | Primary | Cash Out | 670 | 9.83 | xx | 25 | $29810.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:30<br> Verification Type:Credit Report | xx | 44.719% |  | Alternative | QC Complete | 12/05/2022 |
| xx | 67587 |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: Lender information of the borrower is missing in the Final 1003 application. Also the borrower has ownership on two other properties which are financed, not reflecting on the final application.<br>09/15/2022 - Final 1003 received. Hence, exception is resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> Higher-Priced Mortgage Loan Test Fail: Charged 7.793% Allowed 7.780% Over by +0.013%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 7.793% Allowed 7.780% Over by +0.013%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | used 6 comparable to support the opinion value of appraisal |  | Single Family | xx | xx | xx | Primary | Purchase | 705 |  | xx | 15 | $19876.26 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.633% | No | Full Documentation | QC Complete | 12/05/2022 |
| xx | 67588 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal provided with 7 comparable |  | PUD | xx | xx | xx | Investor | Purchase | 805 |  | xx | 10 | $134006.28 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 10.004% | No | Alternative | QC Complete | 09/20/2022 |
| xx | 68044 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal provided 6 comparable<br> 1048D available in Page#171 |  | PUD | xx | xx | xx | Primary | Purchase | 785 |  | xx | 4 | $12764.23 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.211% | Yes | Alternative | QC Complete | 09/29/2022 |
| xx | 68046 |  | xx | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | The Appraisal Has Been Marked As-Is On xx With The Value $xx. The Appraise Has Provided 5 ComparablesTo Support The Opinion Of The Value. |  | Single Family | xx | xx | xx | Primary | Cash Out | 809 | 7 |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | xx |  |  | Alternative | QC Complete | 09/28/2022 |
| xx | 68047 |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 9.527% Allowed: 9.230% Overby: +0.297%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 9.527% Allowed: 9.230% Overby: +0.297%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>\*\*\* (CURED) Missing legal documents for senior or subordinate lien - EV R<br> COMMENT: Missing copy of the Note for the senior lien with xx dated 2/21/2018.<br>10/05/2022 - Not Resolved - Mortgage statement is not acceptable to cure this exception. We need to verify the terms of the senior Note (ARM, Interest Only, Neg Amortization, etc.), the mortgage statement only shows the current interest rate and payment.<br>10/14/2022 - We have received the information that we need to verify the terms of the first mortgage and it satisfies the guideline requirements. Hence, exception is resolved.<br>\*\*\* (CURED) Title reports unpaid liens - EV R<br> COMMENT: Preliminary title report in the file shows a mechanic's lien against the subject property in the amount of $7030 dated 5/7/2021 with xx and xx. No evidence in the file provided to show the lien has been released.<br>10/05/2022 - Title supplement received for mechanic lien. Hence, exception is resolved. |  |  | The Appraisal Has Been Marked As Is On xx With The Value $xx, The Appraiser Has Provided 6 Comparable To Support The Opinion Of The Value |  | Single Family | xx | xx | xx | Primary | Cash Out | 745 | 4.42 | xx | 20 | $26669.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 46.627% |  | Alternative | QC Complete | 11/02/2022 |
| xx | 60475 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 5 comps |  | PUD | xx | xx | xx | Investor | Cash Out | 685 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/08/2021 |
| xx | 65062 |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Value on AVM is more than 10% on negative side than appraisal value. CDA to be ordered.<br>04/12/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: TRID Violation due to a fee increase on CD dated 02/25/2022. LE dated 02/16/2022 reflects a Origination Points at $5860.00 & Loan Amount Points at $2930.00, however, CD dated 02/25/2022 reflects the Origination Points at $6600.00 & Loan Amount Points at $3300.00. This is a fee increase of $1110.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees. Cure to the Borrower is required or COC is required.<br>Resolved 3/24/2022 : Received COC document and updated, hence conditions is cleared. |  |  | Appraisal has provided 9 comps to support the opinion of value<br> Appraisal has ticked on As Is on xx. With the appraised value xx |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Cash Out | 720 | 3.5 | xx | 1.16 | $13759.56 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 38.614% |  | Alternative | QC Complete | 03/11/2022 |
| xx | 63578 |  | xx | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal value Supported by 5 Comps, 1 Bedrooms and 1.1 Bathrooms. |  | Single Family | xx | xx | xx | Primary | Cash Out | 816 | 2.75 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 03/14/2022 |
| xx | 63581 |  | xx | Illinois | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Both CU Risk Scores are missing. AVM to be ordered.<br>04/07/2022 - Received AVM and condition has been resolved. |  |  | Value supported by 7 comparables |  | Single Family | xx | xx | xx | Primary | Cash Out | 742 | 2.16 | xx | 35 | $12000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 47.031% |  | Alternative | QC Complete | 03/14/2022 |
| xx | 65066 |  | xx | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU risk scores are missing.<br>05/09/2022 - Received AVM the confidence score is 0.1870 which is more than threshold limit. CDA to be ordered.<br>05/19/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: charged 6.731% allowed 6.240% over by +0.491%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Missing Initial Closing Disclosure - EV R<br> COMMENT: Initial Closing Disclosure is missing in the loan package. Kindly provide Initial Closing Disclosure.<br>Not Resolved 7/27/2022 : Received 3 days waiting period waiver document is e-signed, need borrower hand written and hand signed to clear the conditions. <br> Note : Revised LE dated 4/18/2022 and Final CD is 4/21/2022, not met the guidelines from Revised LE to Final CD 4 days gap.<br>Not Resolved 09/01/2022 : Received document is electronic letter type and e-signed by borrower, hence issue remains same.<br>Resolved 11/10/2022 : Received handwritten waiver request of the three day waiting period signed by the borrower as required in the regulation, hence condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: This is condominium property & Condo Questionnaire is missing.<br>07/27/2022 - Received Condo Questionnaire. Hence condition resolved. |  |  | The appraisal has been mark as is ,on date xx .The value of $xx. The comparable #6. |  | Mid Rise Condo (5-8 Stories) | xx | xx | xx | Primary | Purchase | 738 |  | xx | 5 | $4413.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 50.255% | Yes | Alternative | QC Complete | 12/05/2022 |
| xx | 63588 |  | xx | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Missing Secondary Valuation required for Securitization. Both CU Risk Score is not available.<br>12/10 - AVM document is provided and This condition was cleared |  |  | Apraisal has provided 7 comps |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 738 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/10/2021 |
| xx | 61702 |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Please provide Secondary Appraisal Report Document For Subject Property as CU score is missing.Additional valuation product not found in file, additional product will be ordered to validate appraised value."<br>01/24/2022 - Received AVM as secondary valuation & condition resolved. |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 749 |  | xx | 5 | $14129.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 7.592% |  | Alternative | QC Complete | 12/06/2022 |
| xx | 61730 |  | xx | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 6comps to support the opinion of value Appraised has ticked on xx with Appraised value of $xx |  | Single Family | xx | xx | xx | Investor | Purchase | 748 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/05/2022 |
| xx | 60654 |  | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Secondary valuation required as CU score in the subject loan is missing.Additional valuation product not found in file, additional product will be ordered to validate appraised value.<br>01/24/2022 - Not resolved - Received AVM as secondary valuation but variance above 40% & FSD score is 0.129. Please provide desk review or additional valuation.<br>02/03/2022 - Received CDA as additional valuation & condition resolved. |  |  | Appraisal has provided 4 comps to support the opinion of value.Appraisal has ticked on As is on xx with the appraised value xx |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 784 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 12/06/2022 |
| xx | 65093 |  | xx | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: Final 1003 Missing from the loan file.<br>07/14/2022 - Not resolved Final 1003 received but borrower sign is missing.<br>07/21/2022 - Signed Final 1003 received. Hence, condition is resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged 7.263% Allowed 5.120% Over by+2.143%<br>Resolved 08/05/2022 :HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Loan program is 12 months bank statement. Please provide 9/1/2021-to 9/30/2021 Bank Statement to Calculate 12 Months Bank Statement Income. As it is missing from the loan file. We have September 2020 bank statement but not 2021. For "xx" business account and acct #xx<br>08/18/2022 - Received bank statement for September 2021 for "xx" business account and acct #xx. Hence, exception is resolved. |  |  | Appraisal has provided 7 comparable to support the opinion of value<br> Appraisal has ticked As Is on xx. With the appraised value $xx. |  | PUD | xx | xx | xx | Primary | Cash Out | 634 | 2.5 | xx | 6.92 | $10000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 41.287% |  | Alternative | QC Complete | 12/05/2022 |
| xx | 63664 |  | xx | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Confidence score on AVM is 0.18 which exceeds threshold limit. CDA to be ordered.<br>04/12/2022 - Received CDA. Hence, condition is resolved. |  |  | Verified through 5 comparables |  | Single Family | xx | xx | xx | Primary | Cash Out | 772 | 2.66 | xx | 2.41 | $19248.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 28.843% |  | Alternative | QC Complete | 03/14/2022 |
| xx | 63677 |  | xx | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU scores were missing in the file.AVM to be ordered.<br>04/07/2022 - Received AVM. Hence, condition is resolved. |  |  | Appraisal has provided 6 comps to support the opinion of value<br> Appraisal has ticked on As Is on xx. With the appraised value xx |  | PUD | xx | xx | xx | Primary | Cash Out | 781 | 2 | xx | 2 | $18984.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 24.958% |  | Alternative | QC Complete | 03/11/2022 |
| xx | 63680 |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Cu Score is missing and AVM provided, the Variance % is 0.539% , FSD confidence score is 0.17, Hence we need CDA.' CDA to be ordered<br>04/12/2022 - Received CDA. Hence, condition is resolved. |  |  | Appraisal Value Supported by 6 Comps, 5 Bedrooms and 4.1 bathrooms. |  | Single Family | xx | xx | xx | Primary | Cash Out | 719 | 9.58 | xx | 25 | $27660.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 27.568% |  | Alternative | QC Complete | 03/11/2022 |
| xx | 63684 |  | xx | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 6 comps to support the opinion of value<br> Appraisal has ticked on As Is on xx. With the appraised value xx |  | PUD | xx | xx | xx | Primary | Purchase | 705 |  | xx | 0.2 | $1104.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.738% | Yes | Alternative | QC Complete | 03/11/2022 |
| xx | 63690 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal Has 8 Comparable |  | Single Family | xx | xx | xx | Investor | Purchase | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/25/2022 |
| xx | 63699 |  | xx | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: Final Closing Disclosure is missing in this loan package. Please provide Final Closing Disclosure.<br>Not Resolved 3/24/2022 : Received Seller CD instead of Final Closing Disclosure, issue remains same.<br>Not Resolved 4/15/2022 : Received Seller CD instead of Final Closing Disclosure, issue remains same.<br>Not Resolved : Received Final CD dated 3/01/2022 from the client but the borrower not signed. Kindly provide the Final CD with fully Executed.<br>Resolved 6/29/2022 : Received Final Closing Disclosure and updated, hence condition clearing. |  |  | Appraisal has provided 4 comps to support the opinion of value.Appraisal has ticked on As is on xx with the appraised value xx |  | Single Family | xx | xx | xx | Primary | Purchase | 770 |  | xx | 4 | $9427.65 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.395% | Yes | Alternative | QC Complete | 03/11/2022 |
| xx | 63710 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has #6 comps to support opinion value. |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Purchase | 814 |  | xx | 10 | $18140.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.447% | No | Alternative | QC Complete | 03/11/2022 |
| xx | 65105 |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Provide CDA as value on AVM $xx exceeds the value on Appraisal $xx by more than 10% on negative side. CDA to be ordered<br>05/23/2022 - Received CDA. Hence, condition is resolved. |  |  | Value supported by 8 comparables |  | Single Family | xx | xx | xx | Primary | Cash Out | 700 | 3 | xx | 7 | $30000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 27.976% |  | Alternative | QC Complete | 03/21/2022 |
| xx | 63732 |  | xx | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide CDA or simliar document as provided AVM reflects confidence score as 0.27 which is greater than 0.10 (CA valuation)<br>04/12/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Assets do not meet guidelines - EV R<br> COMMENT: Assets are not sufficient to cover the cash to close. Total assets required from borrower is $16342.57 +12 months reserve required 22845.72 . Total assets verified in the amount of $22845.72.<br>Assets are short to close in the amount of $33029.43 Provide a copy of most recent bank statement/retirement/investment to evidence funds In the amount Of $33029.43 .<br>3/25/2022 - Received final settlement statement with updated closing cost (Cash from Borrower) and Assets are sufficient to cover the closing cost and reserves are not required in the loan as LTV is xx and condition has been resolved |  |  | As per appraisal as is , Comparable#6 |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 781 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/11/2022 |
| xx | 63736 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal was verified on date xx with comparable #5 |  | PUD | xx | xx | xx | Investor | Purchase |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | No | Alternative | QC Complete | 12/05/2022 |
| xx | 65107 |  | xx | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 6.530% Allowed 5.110% Over by +1.420%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: "Provide missing information for REO Property located at: xx - ,Tax Bill or HOA if applicable. If taxes & Insurance are escrowed, provide mortgage statement for the same."<br>07/27/2022 - Received LOE for said property and how it is part of borrowers business with multiple addresses along with tax bill. Hence, exception is resolved.<br>\*\*\* (CURED) 0% Tolerance Fees test fail - EV R<br> COMMENT: "TRID Violation due to a fee increase on Initial CD dated 04/08/2022. Revised LE dated 04/06/2022 reflects a Appraisal update fee at $0.00, however, Initial CD dated 04/08/2022 reflects the Appraisal update fee at $600.00. This is a fee increase of $600.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees."<br>08/04/2022 : Not Resolved - Still missing COC or cure amount to resolve the condition.<br>Resolved 8/11/2022 : Received LOE for Appraisal fee paid by broker showing on invoice, hence conditions is resolved. |  |  | The appraisal has been marked as is on xx with the value of $xx. The appraiser has provided comparables to support the opinion of the value. |  | Single Family | xx | xx | xx | Primary | Refinance | 702 | 3.75 | xx | 10.5 | $79999.89 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.254% |  | Alternative | QC Complete | 12/05/2022 |
| xx | 63741 |  | xx | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 6 comps to support the opinion of value<br> Appraisal has ticked on As Is on xx. With the appraised value xx |  | Single Family | xx | xx | xx | Investor | Purchase | 809 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/04/2022 |
| xx | 63750 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal value supported by 6 comparable |  | Single Family | xx | xx | xx | Primary | Purchase | 709 |  | xx | 10 | $13729.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.499% | Yes | Alternative | QC Complete | 03/14/2022 |
| xx | 65126 |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU risk scores are missing.<br>05/09/2022 - Received AVM the Variance is -12.497% which is more than threshold limit. CDA to be ordered.<br>05/19/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 5.275% Allowed 5.260% Over by+0.015%<br>Resolved 08/05/2022 :HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 5.275% Allowed 5.260% Over by +0.015%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>\*\*\* (CURED) Missing Initial Closing Disclosure - EV R<br> COMMENT: TRID tolerance test is incomplete due to Initial CD is missing from loan documents<br>Resolved 6/29/2022 : Received Initial Closing Disclosure document Dated 3/24/2022 updated , hence condition cleared.<br>\*\*\* (CURED) TILA Finance Charge - EV R<br> COMMENT: Finance charge disclosed on Final CD as $388818.71. Calculated Finance Charge is $389013.71 for an under disclosed amount of $195. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing.<br>\*\*\* (CURED) 0% Tolerance Fees test fail - EV R<br> COMMENT: On loan packages Changed Circumstance dated 3/30/2022 have received for changes of Loan Discount Points increased from $1,515.00 to $3,030.00 but within 3 business days of COC document we have not received revised CD. Please provide the revised CD to solve the conditions. <br> Either provide COC for Final CD dated 4/12/2022 to increased on Loan Discounts Points from $1,515.00 to $3,030.00. Please provide either a valid COC or PCCD, LOE, proof of delivery, and copy of refund check in the amount of $1,515.00<br>08/12/2022 NOT RESOLVED : Receive PCCD instead of COC document, Hence issue remains the same.<br>Resolved 09/08/2022 : Received lender response for "This CD as CIC dated 03/30 was sent via regular email as opposed to doc magic tracking system due to system issues as a proof that the CIC was sent to the borrowers" hence condition cleared. |  |  | The Appraisal Has Been Marked As-Is On xx With The Value xx,<br> The Appraise Has Provided 6 ComparablesTo Support The Opinion Of The Value. |  | Single Family | xx | xx | xx | Primary | Cash Out | 729 | 23 | xx | 36 | $11520.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 25.903% |  | Alternative | QC Complete | 12/05/2022 |
| xx | 65160 |  | xx | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CDA to be ordered. Received AVM the confidence score is 0.1400 which is more than threshold limit.<br>05/23/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 8.005% Allowed 5.330% Over by +2.675%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Missing Final 1003_Application - EV R<br> COMMENT: In Final 1003 lender Loan information (Section L4) is missing in this package.<br>07/27/2022 - Received updated Final 1003 along with lender loan information in section L4. Hence condition resolved.<br>\*\*\* (CURED) TRID Violations - EV R<br> COMMENT: TRID Violation due to a Re-cert value fee added on Initial CD dated 04/07/2022. Revised LE dated 03/08/2022 reflects Re-cert Value fee$0.00, however, initial CD dated 04/07/2022 reflects the Re-cert Value fee at $200.00 This is added of $200.00 Provide valid COC to clear this or PCCD, LOE, proof of delivery, and copy of the refund check to cure the added Re-cert fee.<br>Resolved 8/18/2022 : Received PCCD document and updated, hence condition cleared. |  |  | Value supported by #6 comparable<br> Appraisal dated xx and Appraisal value is xx |  | Single Family | xx | xx | xx | Primary | Cash Out | 640 | 5.25 | xx | 3 | $7538.43 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 45.824% |  | Alternative | QC Complete | 12/05/2022 |
| xx | 65178 |  | xx | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU scores are missing.<br>05/19/2022 - CDA to be ordered. Received AVM the Variance is -25.504% which is more than threshold limit.<br>06/02/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 6.660% Allowed 6.420% Over by +0.240%<br>Resolved 08/05/2022: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) tax return - EV R<br> COMMENT: 4506-T missing from the loan file.<br>09/01/2022 - As per UW mgmt of xx. document 4506-T has been removed from closing package years ago and no longer required. This loan qualified under receivable Note income and bank statements in file supporting the income receipt/deposit is sufficient as requirement. Hence, exception is resolved. |  |  | Appraisal has provided 6 Comparable to support the opinion of value<br> Appraisal has ticked on As Is on xx. With the appraised value $xx. |  | Single Family | xx | xx | xx | Primary | Cash Out | 801 | 3.17 | xx | 21.08 | $17968.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 36.388% |  | Alternative | QC Complete | 12/05/2022 |
| xx | 65179 |  | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU risk scores are missing.<br>05/09/2022 - Received AVM. Hence, condition is resolved.<br>\*\*\* (CURED) Missing Required State Disclosures - EV R<br> COMMENT: Condo questionnaire document is missing in the package, Please provide the updated document<br>08/12/2022 - HOA Certification received. Hence, exception is resolved. |  |  | The Appraisal has Been Marked As Is on xx With The Appraised value Of $xx And The Appraiser Has Provided 4 Comparable To Support An Opinion Of The Value |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Cash Out | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 05/02/2022 |
| xx | 65187 |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Replacement cost on hazard insurance total estimated cost new on appraisal.<br>Dwelling coverage does not cover loan amount. Hazard insurance policy reflects replacement cost , however it does not cover total estimated cost new of appraisal.<br>07/27/2022 - Received updated hazard policy which covers the Estimated reconstruction cost. Hence condition resolved.<br>\*\*\* (CURED) Missing Final 1003_Application - EV R<br> COMMENT: Lender Loan Information is missing for final 1003<br>08/12/2022 - Not Resolved - Lender Loan Information is still missing from the provided 1004.<br>08/18/2022 - 1003 with Lender Loan Information received. Hence, exception is resolved. |  |  | Appraisal has been marked As-is on date xx with the value $xx. Appraiser has provided 7 comparables to support the opinion of the value. |  | PUD | xx | xx | xx | Investor | Cash Out | 674 |  | xx | 23 | $14874.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 45.436% |  | Alternative | QC Complete | 12/05/2022 |
| xx | 65228 |  | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CDA to be ordered as confidence score on AVM is 14 which is more than threshold limit<br>05/20/2022 - CDA received. Hence, condition clear.<br>\*\*\* (CURED) Notice of Servicing Transfer missing or unexecuted - EV R<br> COMMENT: Provide Notice of Servicing transfer .<br>08/18/2022 - Notice of Servicing transfer not required since servicing with xx lending/CSC retained and servicing has not transfered to another entity. |  |  | The appraisal mark as is on date xx. The value $ xx. The comparable #4 |  | Single Family | xx | xx | xx | Investor | Cash Out | 711 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/05/2022 |
| xx | 65243 |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CDA to be ordered as confidence score on AVM is 0.19 which exceeds the guidelines limit.<br>05/19/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Hazard coverage amount does not cover the loan amount.<br>08/12/2022 - Estimated Replacement Cost received for $777,000.00. Dwelling amount is $777,000.00 which is equal to replacement cost. Hence, exception is resolved. |  |  | The Appraisal Has Been Marked As Is On xx With The Value $xx, The Appraiser Has Provided 5 Comparables To Support The Opinion Of The Value |  | 2 Family | xx | xx | xx | Investor | Purchase | 713 |  | xx | 5.91 | $71064.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 13.413% | No | Alternative | QC Complete | 12/05/2022 |
| xx | 65265 |  | xx | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced<br> mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 6.664% Allowed 6.240% Over by +0.424%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing 4506-C document in the package.<br>08/08/2022 - As per the guidelines & conformation, 4506-C is not required for Bank statement program. Hence, condition resolved.<br>\*\*\* (CURED) 0% Tolerance Fees test fail - EV R<br> COMMENT: LE dated 04/04/2022 reflects a Credit Report Fee at $23.00, however, Final CD dated 4/27/2022 reflects the Credit Report Fee at $24.05. This is a fee increase of $1.05 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees. Cure to the Borrower is required or COC is required.<br>Resolved 8/18/2022 : Received PCCD document and updated, hence condition cleared. |  |  | The Appraisal Has Been Marked As is On xx With The Value $xx The Appraiser Has Provided 5 Comparable To Support The Opinion Of The Value |  | Single Family | xx | xx | xx | Primary | Purchase | 749 |  | xx | 1.34 | $5248.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.492% | Yes | Alternative | QC Complete | 12/05/2022 |
| xx | 65293 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal was dated on xx with comparable #4 |  | Single Family | xx | xx | xx | Primary | Refinance | 763 | 16 | xx | 24 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 27.761% |  | Alternative | QC Complete | 03/04/2022 |
| xx | 63796 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Verified through 4 comparables |  | Single Family | xx | xx | xx | Investor | Cash Out | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 03/11/2022 |
| xx | 63799 |  | xx | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Affiliated Business Disclosure missing/unexecuted - EV R<br> COMMENT: Required Affiliated Business disclosure Missing/Unexecuted.<br>7/13 no affiliated relationships per client<br>\*\*\* (CURED) Disclosure - Your Home Loan Toolkit is missing or unexecuted - EV R<br> COMMENT: Disclosure - Your Home Loan Toolkit is missing or unexecuted<br>7/5/2022 - Received Home Loan Toolkit and condition is resolved |  |  | Verified through 6 comparables |  | PUD | xx | xx | xx | Primary | Purchase | 780 |  | xx | 15 | $25435.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 10.067% | Yes | Alternative | QC Complete | 03/14/2022 |
| xx | 65302 |  | xx | Delaware | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | The appraisal has mark subject to on date xx.The value $ xx.# 6 Comparable .<br> 1004D is Page#522. |  | PUD | xx | xx | xx | Investor | Refinance | 703 |  | xx | 25 | $364769.40 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 1.977% |  | Alternative | QC Complete | 05/03/2022 |
| xx | 61236 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has #4 comp to support opinion value. |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Cash Out | 725 |  | xx | 0.91 | $69659.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 11.868% |  | Alternative | QC Complete | 12/28/2021 |
| xx | 61241 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Verified through 6 comps |  | Single Family | xx | xx | xx | Investor | Cash Out | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/21/2021 |
| xx | 61914 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by #6 comparables |  | 3 Family | xx | xx | xx | Investor | Cash Out | 787 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/01/2021 |
| xx | 60368 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal valued as is 4 comparables |  | PUD | xx | xx | xx | Primary | Refinance | 679 | 3 | xx | 7.16 | $20050.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.016% |  | Full Documentation | QC Complete | 12/09/2021 |
| xx | 60369 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 798 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/13/2021 |
| xx | 60373 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 7 comps to support the opinion of value Appraised has ticked on xx with Appraised value of $xx |  | 4 Family | xx | xx | xx | Investor | Cash Out | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/09/2021 |
| xx | 61504 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | As per appraisal as is ,# 6 Comparable. |  | PUD | xx | xx | xx | Primary | Purchase | 758 |  | xx | 0.25 | $64035.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.777% | Yes | Alternative | QC Complete | 01/03/2022 |
| xx | 60380 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by 2 comps |  | Single Family | xx | xx | xx | Primary | Cash Out | 723 | 3 | xx | 7 | $94119.92 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 48.448% |  | Alternative | QC Complete | 12/08/2021 |
| xx | 61264 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Verified through 3 comps |  | Single Family | xx | xx | xx | Investor | Purchase | 732 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/20/2021 |
| xx | 61269 |  | xx | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | As per appraisal as is ,# 6 Comparable. |  | Single Family | xx | xx | xx | Investor | Purchase | 704 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/22/2021 |
| xx | 61512 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 5 comps |  | PUD | xx | xx | xx | Investor | Cash Out | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/29/2021 |
| xx | 61929 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal is AS IS with 6 comps & 3 Rentals |  | 2 Family | xx | xx | xx | Investor | Purchase | 792 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/12/2022 |
| xx | 62268 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by 6 comparables |  | 4 Family | xx | xx | xx | Investor | Cash Out | 784 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/12/2022 |
| xx | 61282 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by 5 comparables |  | PUD | xx | xx | xx | Investor | Cash Out | 733 |  | xx | 29.08 | $49091.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 30.975% |  | Alternative | QC Complete | 01/05/2022 |
| xx | 62707 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Property Verified with 5 Comparables. |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Purchase | 728 |  | xx | 3.08 | $15889.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.977% | Yes | Alternative | QC Complete | 01/13/2022 |
| xx | 61932 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | value supported by 6 properties.appraisal value is xx dated on xx. |  | Single Family | xx | xx | xx | Primary | Purchase | 651 |  | xx | 30 | $44713.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.602% | No | Full Documentation | QC Complete | 12/05/2022 |
| xx | 61936 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  |  |  | 2 Family | xx | xx | xx | Investor | Cash Out | 792 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/13/2022 |
| xx | 61520 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 789 |  | xx | 20.91 | $22566.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.752% | No | Alternative | QC Complete | 01/05/2022 |
| xx | 62714 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 8 comparables to support the opinion of site value |  | Single Family | xx | xx | xx | Investor | Purchase | 718 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 01/13/2022 |
| xx | 63350 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 707 | 6 | xx | 5.58 | $38789.41 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 43.316% |  | Alternative | QC Complete | 02/01/2022 |
| xx | 61308 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 6 comps to support the opinion of value<br> Appraisal has ticked on As Is on xx. With the appraised value $xx |  | Single Family | xx | xx | xx | Primary | Purchase | 708 |  | xx | 30.08 | $16000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.489% | Yes | Alternative | QC Complete | 12/22/2021 |
| xx | 61320 |  | xx | Florida | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL 4.759% 4.660% +0.099%<br>Resolved 08/05/2022: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | Appraisal has provided 4 comps to support the opinion of value. Appraisal has ticked on AS IS xx with the appraised value $ xx. |  | Single Family | xx | xx | xx | Primary | Purchase | 752 |  | xx | 3.08 | $5400.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.106% | Yes | Full Documentation | QC Complete | 12/05/2022 |
| xx | 61534 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 723 |  | xx | 38.75 | $114588.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 10.011% |  | Alternative | QC Complete | 01/03/2022 |
| xx | 62290 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  |  |  | 2 Family | xx | xx | xx | Investor | Purchase | 694 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 12/05/2022 |
| xx | 61537 |  | xx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | comparable sale -6 |  | PUD | xx | xx | xx | Investor | Purchase | 759 |  |  |  |  | Mos Reviewed:99<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/03/2022 |
| xx | 63052 |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Secondary Valuation required as both CU score is missing in file.<br>5/2/2022 - Received CDA and condition is resolved |  |  | Appraisal value Supported by 7 comps, 2 Bedrooms and 2 Bedrooms. |  | 2 Family | xx | xx | xx | Investor | Purchase | 802 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/13/2022 |
| xx | 61324 |  | xx | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 777 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/04/2022 |
| xx | 62297 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 6comps to support the opinion of value<br> Appraisal has ticked on as is on xx with Appraised value of xx |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Purchase | 797 |  | xx |  | $23379.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.262% | No | Alternative | QC Complete | 01/19/2022 |
| xx | 61973 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 5 comps to support the opinion of value.Appraisal has ticked on As is on xx with the appraised value xx |  | 2 Family | xx | xx | xx | Investor | Purchase | 773 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/13/2022 |
| xx | 61976 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 5 comps to support the opinion of value<br> Appraisal has ticked on As Is on xx. With the appraised value $xx |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Cash Out | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/13/2022 |
| xx | 61978 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by 5 comparables |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Cash Out | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/13/2022 |
| xx | 61979 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Cash Out | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/14/2022 |
| xx | 61333 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal with #8 comparable |  | Single Family | xx | xx | xx | Primary | Purchase | 779 |  | xx | 4.91 | $18735.57 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.226% | No | Full Documentation | QC Complete | 01/06/2022 |
| xx | 61334 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has provided 4 comparables to support the opinion of value |  | Single Family | xx | xx | xx | Primary | Purchase | 721 |  | xx | 7 | $12506.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.555% | No | Alternative | QC Complete | 12/20/2021 |
| xx | 60449 |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Written VOE dated 11/02/2021 is missing for Borrower 1 to calculate the income of $9,630.00 as per income calculations worksheet.<br>3/23/2022 - Received Written VOE for the borrower and condition has been resolved |  |  | Appraisal Value Supported by 5 Comps, 3 Bedrooms and 2 Bathrooms. |  | Single Family | xx | xx | xx | Primary | Cash Out | 753 | 25.41 | xx | 7.58 | $9630.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 44.363% |  | Full Documentation | QC Complete | 12/21/2021 |
| xx | 61982 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by #7 comprarables |  | Single Family | xx | xx | xx | Investor | Cash Out | 727 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/13/2022 |
| xx | 61335 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 751 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/28/2021 |
| xx | 60453 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Appraisal has 6 comparables to support the opinion of value |  | Single Family | xx | xx | xx | Investor | Cash Out | 732 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/13/2021 |
| xx | 60143 |  | xx | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) The COC is missing - EV R<br> COMMENT: TRID Violation due to a fee increase on LE dated 11/17/2021. LE dated 10/07/2017 reflects a Recording Fee $246.00 however, Revised LE dated 11/17/2017 reflects the Recording Fee of $281.00. This is a fee increase of $10.4 for a 10% tolerance. Hence valid COC or cure required.<br>Missing valid COC for a fee increase on LE dated 10/07/2021. LE dated 09/09/2021 reflects a Title - Settlement Fee of $450.00, however, Revised LE dated 10/07/2021 reflects the Title - Settlement Fee of $550.00. This is a cumulative fee increase of 10% in Creditor's Providers Fees which exceeds the 10% tolerance for Creditor's Providers fees and a valid COC is required.<br>Resolved 3/18/2022 : Received COC and updated, hence conditions is cleared. | \*\*\* (WAIVED) Excessive DTI - EV W<br> COMMENT: DTi > 50% is approved on compensating factors such as FICO 797 & Low LTV xx% with exception approval form available in page 2. | FICO 797 & Low LTV xx% | Appraisal has provided 6 comps to support the opinion of value. Appraisal has ticked on As Is on xx. With the appraised value $xx. |  | PUD | xx | xx | xx | Primary | Refinance | 797 | 21 | xx | 34.66 | $4661.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 53.567% |  | Alternative | QC Complete | 12/05/2022 |
| xx | 60457 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value supported by 6 comps |  | Single Family | xx | xx | xx | Investor | Cash Out | 738 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/13/2021 |

---

## Exhibit 99.37

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.37**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Redacted ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| xx | 61979 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 68041 | xx | California | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| xx | 61982 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 63684 | xx | Florida | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 63710 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 65228 | xx | Florida | xx | Investor | Cash Out A D CA | RD | RA | VD | VA |
| xx | 67586 | xx | Georgia | xx | Primary | Cash Out A B CA | RB | RA | VA | VA |
| xx | 65093 | xx | Arizona | xx | Primary | Cash Out A D B CD CA | RB | RA | VA | VA |
| xx | 63690 | xx | Florida | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 60368 | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| xx | 61308 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 61234 | xx | California | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| xx | 63741 | xx | Maryland | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 68047 | xx | California | xx | Primary | Cash Out A D B CD CA | RB | RA | VA | VA |
| xx | 63578 | xx | Washington | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| xx | 60453 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 61335 | xx | California | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| xx | 61914 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 65046 | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 65062 | xx | California | xx | Primary | Cash Out A D CA | RD | RA | VD | VA |
| xx | 65569 | xx | Florida | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 65105 | xx | California | xx | Primary | Cash Out A D CA | RA | RA | VD | VA |
| xx | 65066 | xx | Washington | xx | Primary | Purchase A D CD CA | RD | RA | VD | VA |
| xx | 66032 | xx | California | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| xx | 65570 | xx | Connecticut | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 61264 | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 67583 | xx | Washington | xx | Investor | Cash Out A D CD CA | RA | RA | VD | VA |
| xx | 61504 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 67580 | xx | Arizona | xx | Primary | Purchase A D B CD CA | RB | RA | VA | VA |
| xx | 61512 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 62268 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 60369 | xx | Florida | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 68046 | xx | Colorado | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| xx | 67579 | xx | Florida | xx | Investor | Purchase A D CD CA | RA | RA | VD | VA |
| xx | 60143 | xx | California | xx | Primary | Refinance B A D CB | RD | RA | VA | VA |
| xx | 66035 | xx | Hawaii | xx | Investor | Purchase A D CD CA | RA | RA | VA | VA |
| xx | 65049 | xx | California | xx | Investor | Cash Out A D CA | RA | RA | VD | VA |
| xx | 63052 | xx | California | xx | Investor | Purchase A D CA | RA | RA | VD | VA |
| xx | 61236 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 67101 | xx | California | xx | Primary | Cash Out A D B CD CA | RB | RA | VA | VA |
| xx | 62297 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 61320 | xx | Florida | xx | Primary | Purchase A B CA | RB | RA | VA | VA |
| xx | 68044 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 61520 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 66039 | xx | Florida | xx | Investor | Purchase B A D CD CB | RA | RA | VA | VA |
| xx | 65243 | xx | California | xx | Investor | Purchase A D CD CA | RA | RA | VD | VA |
| xx | 67587 | xx | California | xx | Primary | Purchase A D B CD CA | RB | RA | VA | VA |
| xx | 61233 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 61269 | xx | Nevada | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 63799 | xx | Texas | xx | Primary | Purchase A D CA | RD | RA | VA | VA |
| xx | 63732 | xx | Georgia | xx | Investor | Purchase A D CD CA | RA | RA | VD | VA |
| xx | 67584 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 67103 | xx | California | xx | Primary | Cash Out A CC CA | RA | RA | VA | VA |
| xx | 63588 | xx | Georgia | xx | Investor | Purchase A D CA | RA | RA | VD | VA |
| xx | 62714 | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 67582 | xx | Florida | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 65048 | xx | California | xx | Investor | Cash Out A D CA | RD | RA | VA | VA |
| xx | 61932 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 63560 | xx | Washington | xx | Investor | Refinance A D CD CA | RA | RA | VA | VA |
| xx | 63677 | xx | Arizona | xx | Primary | Cash Out A D CA | RA | RA | VD | VA |
| xx | 60457 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 63563 | xx | California | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| xx | 61730 | xx | New Jersey | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 61702 | xx | California | xx | Investor | Cash Out A D CA | RA | RA | VD | VA |
| xx | 65293 | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| xx | 61534 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 62707 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 63699 | xx | Florida | xx | Primary | Purchase A D CA | RD | RA | VA | VA |
| xx | 60373 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 60449 | xx | California | xx | Primary | Cash Out A D CD CA | RA | RA | VA | VA |
| xx | 60380 | xx | California | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| xx | 61973 | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 67585 | xx | California | xx | Primary | Cash Out A B CA | RB | RA | VA | VA |
| xx | 65187 | xx | California | xx | Investor | Cash Out A D CD CA | RA | RA | VA | VA |
| xx | 65126 | xx | California | xx | Primary | Cash Out A D CA | RD | RA | VD | VA |
| xx | 61282 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 65107 | xx | Texas | xx | Primary | Refinance A D CD CA | RD | RA | VA | VA |
| xx | 63680 | xx | California | xx | Primary | Cash Out A D CA | RA | RA | VD | VA |
| xx | 61976 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 65571 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 63750 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 65160 | xx | Washington | xx | Primary | Cash Out A D CD CA | RD | RA | VD | VA |
| xx | 61929 | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 61241 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 61333 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 63736 | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 61978 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 67588 | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 60475 | xx | Florida | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 63568 | xx | California | xx | Investor | Cash Out A D CA | RA | RA | VD | VA |
| xx | 61334 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| xx | 65302 | xx | Delaware | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| xx | 63796 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 63350 | xx | California | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| xx | 61936 | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| xx | 65265 | xx | New Jersey | xx | Primary | Purchase A D CD CA | RD | RA | VA | VA |
| xx | 60654 | xx | Florida | xx | Investor | Purchase A D CA | RA | RA | VD | VA |
| xx | 65179 | xx | Florida | xx | Investor | Cash Out A D CA | RD | RA | VD | VA |
| xx | 65178 | xx | Arizona | xx | Primary | Cash Out A D B CD CA | RB | RA | VD | VA |
| xx | 63581 | xx | Illinois | xx | Primary | Cash Out A D CA | RA | RA | VD | VA |
| xx | 61324 | xx | Nevada | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 61537 | xx | Texas | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| xx | 63664 | xx | Arizona | xx | Primary | Cash Out A D CA | RA | RA | VD | VA |
| xx | 62290 | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |

---

## Exhibit 99.38

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.38**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity ID** | **Customer Loan #** | **Redacted ID** | **Seller Loan #** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| XXXX | xx | 63560 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| XXXX | xx | 65046 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.040% | VeroValue | 0.02 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.6 |
| XXXX | xx | 63563 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 0.988% | VeroValue | 0.097 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| XXXX | xx | 65048 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.005% | VeroValue | 0.04 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| XXXX | xx | 63568 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65049 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -2.804% | VeroValue | 0.13 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| XXXX | xx | 61233 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| XXXX | xx | 61234 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65569 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 65570 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 66032 |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 66035 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 65571 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 5.257% | xx | xx | No | Not Applicable | Not Applicable |
| XXXX | xx | 66039 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 2.5 |
| XXXX | xx | 67103 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx | No | Not Applicable | Not Applicable |
| XXXX | xx | 67579 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 67580 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 67101 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 67582 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 67583 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 67584 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 67585 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 68041 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 67586 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 67587 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 67588 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 0.816% | xx | xx | No | Not Applicable | Not Applicable |
| XXXX | xx | 68044 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 0.763% | xx | xx | No | Unavailable | Unavailable |
| XXXX | xx | 68046 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 68047 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 60475 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -1.250% | Sitex value | 0.07 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 65062 |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums | xx | xx | -21.955% | Collateral Analytics LLC | 0.06 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63578 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 12.889% | I-Val TM Report | 0.01 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63581 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 3.115% | Clear Capital | 0.121 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65066 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 13.316% | Clear Capital | 0.187 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63588 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 1.063% | Clear Capital | 0.042 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61702 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -3.500% | Clear Capital | 0.076 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 61730 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.940% | VeroValue | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 60654 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 43.644% | Clear Capital | 0.129 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 65093 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -5.521% | Collateral Analytics LLC | 0.1 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63664 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 11.298% | Collateral Analytics LLC | 0.18 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63677 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 4.370% | Clear Capital | 0.096 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63680 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 0.539% | ValueSure | 0.17 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 63684 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 3.023% | SiteX Value | 0.07 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63690 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -2.000% | ValueSure | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63699 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -4.000% | VeroValue | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63710 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 5.720% | Clear Capital | 0.044 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| XXXX | xx | 65105 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -21.163% | VeroValue | 0.08 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63732 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 4.750% | Collateral Analytics LLC | 0.27 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63736 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -8.377% | ValueSure | 0.1 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65107 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 27.236% | Collateral Analytics LLC | 0.45 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| XXXX | xx | 63741 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.109% | VeroValue | 0.04 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 63750 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 0.538% | VeroValue | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx | No | Not Applicable | Not Applicable |
| XXXX | xx | 65126 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -12.497% | Clear Capital | 0.082 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65160 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -9.806% | ValueSure | 0.14 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65178 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -25.504% | Clear Capital | 0.099 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65179 |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums | xx | xx | 10.950% | Clear Capital | 0.083 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65187 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.018% | VeroValue | 0.02 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65228 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 3.276% | ValueSure | 0.14 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65243 |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property | xx | xx | 3.556% | Collateral Analytics LLC | 0.19 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 65265 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -0.860% | VeroValue | 0.05 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| XXXX | xx | 65293 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 2.353% | VeroValue | 0.03 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| XXXX | xx | 63796 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.300% | VeroValue | 0.02 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1.5 |
| XXXX | xx | 63799 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.8 |
| XXXX | xx | 65302 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 9.439% | Clear Capital | 0.085 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| XXXX | xx | 61236 |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 61241 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 61914 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 60368 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 60369 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 60373 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 61504 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 2.1 |
| XXXX | xx | 60380 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 2.857% | xx | xx | No | Unavailable | Unavailable |
| XXXX | xx | 61264 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -5.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 61269 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 61512 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 61929 |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 62268 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61282 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 62707 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61932 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61936 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61520 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 62714 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63350 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | xx | xx | 2.419% | xx | xx | No | Not Applicable | Not Applicable |
| XXXX | xx | 61308 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4 | 2.5 |
| XXXX | xx | 61320 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| XXXX | xx | 61534 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 62290 |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | xx | 0.055% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61537 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 63052 |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61324 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 62297 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61973 |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61976 |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61978 |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61979 |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61333 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 0.444% | xx | xx | No | 5 | 4.5 |
| XXXX | xx | 61334 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 60449 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| XXXX | xx | 61982 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | xx | 61335 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4 | 1 |
| XXXX | xx | 60453 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 60143 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| XXXX | xx | 60457 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |

---

## Exhibit 99.39

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.39**

![(GRAPHIC)](ex9939001.jpg)

**Selene Diligence LLC ("Selene")** 

**Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC ("Selene") performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by MFA Financial, Inc. ("Client"). The review was conducted between November 2021 and April 2022 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 12 Non-QM and 14 ATR exempt loans for a total of 26 loans the "Final Securitization Population".

*<u>Credit Reviews (26):</u>*

During the Review, Selene performed a credit review on 26 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (26)</u>*

During the Review, Selene performed a compliance review on 26 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (26):</u>*

During the Review, Selene performed a property valuation review on 26 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (26):</u>*

During the Review, Selene performed a Data Integrity Review on 26 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 26 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;26 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;26 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;26 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;26 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P") and DBRS, Inc. ("DBRS") collectively the ("NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension Guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting Guidelines and compared the documentation in the loan file against the stated Guidelines for adherence.

**<u>GUIDELINES</u>**

EC Non-QM Investor Eligibility Guidelines **(the "Guidelines")**

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, Sections 1098 and 1100A of Dodd Frank, and Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **15**

**DATA INTEGRITY REVIEW**

Selene uploaded tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 26 mortgage loans, (ii) a Compliance Review on 26 mortgage loans (iii) a Valuation Review on 26 mortgage loans, and (iv) a Data Integrity Review on 26 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 26 mortgage loans; 26 mortgage loans had a rating grade of A, 0 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | | | ***Grades per loan (26 overall loans):*** | ***Grades per loan (26 overall loans):*** | | |
|  | | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** |
| **NRSRO Grade** | **DBRS** | **S&P** | **%** | **DBRS** | **S&P** | **%** |
| A | 10 | 10 | 38.46% A | 26 | 26 | 100% |
| B | 0 | 0 | 0% B | 0 | 0 | 0% |
| C | 7 | 7 | 26.92% C | 0 | 0 | 0% |
| D | 9 | 9 | 34.62% D | 0 | 0 | 0% |

---

Page **4** of **15**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | |
|  | | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| **NRSRO Grade** | **DBRS** | **S&P** | **%** | **DBRS** | **S&P** | **%** |
| A | 26 | 26 | 100% A | 26 | 26 | 100% |
| B | 0 | 0 | 0% B | 0 | 0 | 0% |
| C | 0 | 0 | 0% C | 0 | 0 | 0% |
| D | 0 | 0 | 0% D | 0 | 0 | 0% |
|  |  | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** |  |  |  |
| **NRSRO Grade** | **DBRS** | **S&P** | **%** |  |  |  |
| A | 26 | 26 | 100% |  |  |  |
| B | 0 | 0 | 0% |  |  |  |
| C | 0 | 0 | 0% |  |  |  |
| D | 0 | 0 | 0% |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Page **5** of **15**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension Guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client.

**<u>Non-QM Scope</u>**

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. The monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Noted the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gathered data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the Guidelines is in the file and note indications of potentially fraudulent documents. The documentation will also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable Guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the Guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets
was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also performed. Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verified that the hazard insurance meets the minimum required amount of coverage in the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirmed that the flood cert is for the correct borrower, property, lender and loan number and
is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirmed that flood insurance in the file
meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirmed that the mortgagee clause lists the lender's name and "its successors and
assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirmed that the premium amount on both the hazard and flood insurance match what was used in
the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, when required, Selene looked for an independent, third-party fraud report in each file and reviewed the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan did not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirmed that the variations
have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirmed
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan
file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirmed
the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination
process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate,
and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene reviewed the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the Guidelines and information in the loan
file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verification that there is appropriate documentation present to confirm that applicable documents
have been recorded or have been sent for recording.

**<u>DSCR Scope</u>**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Loan Review Scope** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Borrower Qualifications** 

Selene reviewed each loan file to determine whether it contains the following borrower documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review OFAC reports for any findings

Page **9** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Borrowing Entity Qualifications** 

Selene reviewed each loan file to determine whether it contains the following entity documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence
of good standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Property Manager Entity Qualifications** 

Selene reviewed each loan file to determine that property manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**2.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each loan file to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each loan file to determine whether each property contains a valid lease and determine if it is executed in compliance with the Guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and
remaining term are in compliance with the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the loan file to ensure that the value meets the Guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the Guidelines. Specifically, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirmed the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed property condition and type; confirm it meets Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed that value meets the minimum/maximum per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmed "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: reviewed the appraiser's cash flow assumptions, rent comparables, cap rate selection and
value reconciliation

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each loan file to ensure that the property, flood, and hazard insurance policies are in compliance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each loan file to determine whether it contained the following collateral documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous
two-month period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each loan file to determine whether it contained the following financial documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

○ Confirmed monthly rents are populated correctly at the loan level and portfolio level

○ Confirmed Rent verification – proof of lease payments

○ Confirmed vacancy is within Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

○ Confirmed expenses within range, per the Guidelines

○ Confirmed taxes, insurance and HOA are populated at loan level and within range at portfolio level per the Guidelines

○ Confirmed CapEx meets Guidelines for reasonableness

○ Confirmed annual maintenance fees meet Guidelines

○ Confirmed property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirmed the DSCR meets program Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

Page **11** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

Page **12** of **15**

ii) review relevant document to determine if there was dual compensation; and <br> iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator
 organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage
 loan contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database,
 as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **13** of **15**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviewed the Non-QM mortgage loans to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviewed the Non-QM mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

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

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, as applicable (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the Guidelines restrictions, and (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene made a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene reviewed the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

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

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

○ Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

○ Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.40

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.40**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 58059 | XXXX A C |
| XXXX |  | 61279 | XXXX C A |
| XXXX |  | 61252 | XXXX C A |
| XXXX |  | 61248 | XXXX A |
| XXXX |  | 61545 | XXXX A |
| XXXX |  | 61498 | XXXX A |
| XXXX |  | 62749 | XXXX C A |
| XXXX |  | 63997 | XXXX A |
| XXXX |  | 64002 | XXXX A C |
| XXXX |  | 64005 | XXXX A |
| XXXX |  | 63990 | XXXX D A |
| XXXX |  | 63983 | XXXX A D |
| XXXX |  | 64006 | XXXX A |
| XXXX |  | 64279 | XXXX A |
| XXXX |  | 64269 | XXXX A D |
| XXXX |  | 63994 | XXXX A D |
| XXXX |  | 64272 | XXXX A D |
| XXXX |  | 64280 | XXXX A |
| XXXX |  | 64282 | XXXX C D A |
| XXXX |  | 64270 | XXXX C D A |
| XXXX |  | 64281 | XXXX A |
| XXXX |  | 64268 | XXXX A C |
| XXXX |  | 64276 | XXXX A C |
| XXXX |  | 64278 | XXXX C D A |
| XXXX |  | 65405 | XXXX C D A |
| XXXX |  | 65406 | XXXX A |

---

## Exhibit 99.41

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.41**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 58059 | Closed | 2022-04-07 22:40 | 2022-04-08 14:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | XXXX | XXXX | XXXX | XXXX |  |  | GA | Primary Residence | Purchase | NA | 184718 | N/A | N/A |
| XXXX | XXXX |  | 58059 | Closed | 2022-03-16 20:13 | 2022-04-07 19:08 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | XXXX | XXXX | XXXX | XXXX |  |  | GA | Primary Residence | Purchase | NA | 184715 | N/A | N/A |
| XXXX | XXXX |  | 58059 | Closed | 2022-03-17 20:13 | 2022-04-07 19:08 | Resolved | 1 - Information A | Compliance | TRID | Lender Credits That Cannot Decrease Test | XXXX | XXXX | XXXX | XXXX |  |  | GA | Primary Residence | Purchase | NA | 354830 | N/A | N/A |
| XXXX | XXXX |  | 58059 | Closed | 2021-12-01 19:40 | 2022-03-17 13:04 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | XXXX | XXXX | XXXX | XXXX |  |  | GA | Primary Residence | Purchase | NA | 184717 | N/A | N/A |
| XXXX | XXXX |  | 61279 | Closed | 2022-03-08 00:33 | 2022-03-09 02:46 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | XXXX | XXXX | XXXX | XXXX |  |  | TX | Primary Residence | Purchase | NA | 212433 | N/A | N/A |
| XXXX | XXXX |  | 61279 | Closed | 2022-03-01 18:54 | 2022-03-01 18:59 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | XXXX | XXXX | XXXX | XXXX |  |  | TX | Primary Residence | Purchase | NA | 324137 | N/A | N/A |
| XXXX | XXXX |  | 61252 | Closed | 2021-12-23 01:26 | 2021-12-28 00:04 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 218186 | N/A | N/A |
| XXXX | XXXX |  | 62749 | Closed | 2022-04-18 17:52 | 2022-04-18 20:28 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Purchase | NA | 261809 | N/A | N/A |
| XXXX | XXXX |  | 64002 | Closed | 2022-03-24 21:25 | 2022-03-25 16:14 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 356226 | N/A | N/A |
| XXXX | XXXX |  | 64002 | Closed | 2022-03-24 21:25 | 2022-03-25 16:12 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 356276 | N/A | N/A |
| XXXX | XXXX |  | 64002 | Closed | 2022-03-24 21:25 | 2022-03-25 16:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 356227 | N/A | N/A |
| XXXX | XXXX |  | 64002 | Closed | 2022-03-24 16:53 | 2022-03-24 19:52 | Resolved | 1 - Information A | Credit | Credit | DTI discrepancy or failure. | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 356368 | N/A | N/A |
| XXXX | XXXX |  | 64002 | Closed | 2022-03-24 16:46 | 2022-03-24 16:59 | Resolved | 1 - Information A | Compliance | Data | Borrower 1 Final Signature Date is in the future | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 355552 | N/A | N/A |
| XXXX | XXXX |  | 64002 | Closed | 2022-03-24 16:48 | 2022-03-24 16:59 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 356224 | N/A | N/A |
| XXXX | XXXX |  | 64002 | Closed | 2022-03-24 16:48 | 2022-03-24 16:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 356230 | N/A | N/A |
| XXXX | XXXX |  | 64005 | Closed | 2022-03-24 21:46 | 2022-03-25 12:49 | Resolved | 1 - Information A | Credit | Credit | Lender Approval Form is Missing | XXXX | XXXX | XXXX | XXXX |  |  | TX | Investment | Purchase | NA | 359778 | N/A | N/A |
| XXXX | XXXX |  | 63990 | Closed | 2022-03-22 19:23 | 2022-03-22 23:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | XXXX | XXXX | XXXX | XXXX |  |  | FL | Investment | Purchase | NA | 358284 | N/A | N/A |
| XXXX | XXXX |  | 63983 | Closed | 2022-03-24 22:06 | 2022-03-25 12:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 364375 | N/A | N/A |
| XXXX | XXXX |  | 64269 | Closed | 2022-04-08 19:17 | 2022-04-11 16:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 370225 | N/A | N/A |
| XXXX | XXXX |  | 63994 | Closed | 2022-04-08 19:13 | 2022-12-09 21:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | XXXX | XXXX | XXXX | XXXX |  |  | TX | Investment | Purchase | NA | 370223 | N/A | N/A |
| XXXX | XXXX |  | 63994 | Closed | 2022-04-04 17:37 | 2022-04-04 18:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | XXXX | XXXX | XXXX | XXXX |  |  | TX | Investment | Purchase | NA | 370181 | N/A | N/A |
| XXXX | XXXX |  | 63994 | Closed | 2022-04-04 17:38 | 2022-04-04 18:31 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | XXXX | XXXX | XXXX | XXXX |  |  | TX | Investment | Purchase | NA | 369992 | N/A | N/A |
| XXXX | XXXX |  | 64272 | Closed | 2022-03-30 11:39 | 2022-08-30 18:19 | Resolved | 1 - Information A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | XXXX | XXXX | XXXX | XXXX |  |  | CA | Second Home | Refinance | No Cash Out - Borrower Initiated | 372992 | N/A | N/A |
| XXXX | XXXX |  | 64272 | Closed | 2022-04-08 19:31 | 2022-04-12 15:16 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | XXXX | XXXX | XXXX | XXXX |  |  | CA | Second Home | Refinance | No Cash Out - Borrower Initiated | 372733 | N/A | N/A |
| XXXX | XXXX |  | 64282 | Closed | 2022-04-08 19:41 | 2022-04-11 16:54 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Purchase | NA | 376449 | N/A | N/A |
| XXXX | XXXX |  | 64282 | Closed | 2022-04-08 19:39 | 2022-04-11 16:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Purchase | NA | 376474 | N/A | N/A |
| XXXX | XXXX |  | 64270 | Closed | 2022-04-08 19:45 | 2022-12-08 22:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 379163 | N/A | N/A |
| XXXX | XXXX |  | 64270 | Closed | 2022-04-08 19:45 | 2022-04-11 16:50 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 378681 | N/A | N/A |
| XXXX | XXXX |  | 64268 | Closed | 2022-04-08 19:49 | 2022-04-11 16:18 | Resolved | 1 - Information C A | Compliance | Compliance | Missing page of HUD | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 381635 | N/A | N/A |
| XXXX | XXXX |  | 64276 | Closed | 2022-04-08 19:50 | 2022-04-12 14:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 381901 | N/A | N/A |
| XXXX | XXXX |  | 64276 | Closed | 2022-04-08 19:50 | 2022-04-12 14:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | XXXX | XXXX | XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 381905 | N/A | N/A |
| XXXX | XXXX |  | 64278 | Closed | 2022-04-08 21:58 | 2022-12-08 22:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 384425 | N/A | N/A |
| XXXX | XXXX |  | 64278 | Closed | 2022-04-08 21:59 | 2022-04-11 16:23 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 383817 | N/A | N/A |
| XXXX | XXXX |  | 65405 | Closed | 2022-05-09 17:01 | 2022-08-30 15:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Purchase | NA | 398431 | N/A | N/A |
| XXXX | XXXX |  | 65405 | Closed | 2022-04-13 00:06 | 2022-05-13 13:56 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Purchase | NA | 397417 | N/A | N/A |
| XXXX | XXXX |  | 65405 | Closed | 2022-05-09 17:01 | 2022-05-09 19:04 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Purchase | NA | 397427 | N/A | N/A |
| XXXX | XXXX |  | 65405 | Closed | 2022-05-09 17:12 | 2022-05-09 19:03 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | XXXX | XXXX | XXXX | XXXX |  |  | CA | Investment | Purchase | NA | 398827 | N/A | N/A |

---

## Exhibit 99.42

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.42**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| XXXX | 58059 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 61279 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 61252 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 61248 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.015 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 61545 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 61498 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 62749 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 63997 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64002 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64005 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 63990 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 63983 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64006 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.065 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64279 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64269 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 63994 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64272 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64280 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64282 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64270 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64281 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 64268 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 64276 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64278 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 65405 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 65406 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.43

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.43**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Lender Name** | **Transaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Orginator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Orignal Note Loan Amount** | **Orignal Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Orignal Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Orignal Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** |
| XXXX | XXXX | XXXX |  | 58059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 699 | 699 | 652 | 711 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.2 | 40.48 | 20500 |  |  |  | 20500 | Employed |  |  |  | 2.83 |  |  |  | NA |  | 8298.54 | Yes | 6 | 51291.2 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 5333.79 | 5333.79 | 1471.59 | 6805.38 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | false | 0 | No | false | false |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1195 | 1 | 23454 | 0 | 13 | 0.25824858757062147 | 2 | No | N/A | Manual Underwriting |  | 6.647 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 61279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 730 | 730 | 752 | 705 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 21.5 | 31.22 | 17827 |  |  |  | 17827 | Employed |  |  |  | 9.33 |  |  |  | NA |  | 5566.31 | Yes | 316 | 1211483.26 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.125 | 6.125 | 3007.67 | 3007.67 | 733.97 | 3833.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | false | 0 | No | false | false |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1195 | 1 | 33687 | 138 | 12 | 0.13256842105263159 | 4 | No | N/A | Manual Underwriting |  | 6.192 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 61252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 592 | 592 | 584 | 602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 618 | 592 | 619 | 618 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 29.8 | 39.98 | 21666.66 | 6834.25 |  |  | 28500.91 | Employed | Employed |  |  | 12 | 10.1 |  |  | NA |  | 11395.78 | Yes | 13.03 | 110633.77 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 6733.08 | 6733.08 | 1497.7 | 8493.78 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | false | 0 | No | false | false |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 71011.16 | 1195 | 1 | 17990 | 220 | 12 | 0.6671687827272075 | 2 | No | N/A | Manual Underwriting |  | 7.298 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 61248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 628 | 638 | 574 | 628 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | No Cash Out - Borrower Initiated | 0 | 0 |  |  |  |  |  | Employed |  |  |  | 21.11 |  |  |  | NA |  | 952 | No | 4 | 13639.57 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 3007.89 | 3007.89 |  | 3885.13 | XXXX | Fixed | 360 | 360 | XXXX | 0 |  |  |  |  |  |  |  |  | 7.375 |  |  |  |  |  |  | No | 0 | No | false |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 314 |  |  | 5 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 61545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 608 | 601 | 608 | 616 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 43.01 | 43.01 | 4333.33 |  |  |  | 4333.33 | Employed |  |  |  | 15 |  |  |  | 3 YRS |  | 1863.83 | Yes | 8.5 | 15848.11 | XXXX | XXXX | 72.03 | 72.03 | 72.03 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.5 | 6.5 | 1570.69 | 1570.69 | 293.31 | 1863.83 | XXXX | Fixed | 360 | 360 | XXXX | 0 |  |  |  |  |  |  |  |  | 6.5 |  |  |  |  |  |  | No | 0 | No | false | false |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 51484.86 | 4274.75 | 1 | 500 | 77 | 0 | 0.548 | 5 | No | N/A | Manual Underwriting |  | 6.694 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 61498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 736 | 736 | 744 | 698 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 18.74 | 43.97 | 26414 |  |  |  | 26414 | Employed |  |  |  | 24.5 |  |  |  | NA |  | 11614.07 | Yes | 31 | 97752.84 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 3229.69 | 4404.76 | 544.31 | 3774 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | true | 120 | No | false | false |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | D |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1341.25 | 1 | 41162 | 177 | 21 | 0.2378877854640871 | 12 | No | N/A | Manual Underwriting |  | 6.678 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 62749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 685 | 699 | 685 | 683 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 13.68 | 43.42 | 100000 |  |  |  | 100000 | Employed |  |  |  | 6.75 |  |  |  | NA |  | 43419.53 | Yes | 11 | 45364.51 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.5 | 6.5 | 2901.19 | 2901.19 | 618.5 | 3975.94 | XXXX | Fixed | 360 | 360 | XXXX | 0 |  |  |  |  |  |  |  |  | 6.5 |  |  |  |  |  |  | No | 0 | No | false | false |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6380 | 5 | 139510 | 127 | 10 | 0.07308250825082509 | 2.83 | No | N/A | Manual Underwriting |  |  | N/A |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 63997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 687 | 693 | 674 | 687 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.46 | 43.45 | 20000 |  |  |  | 20000 | Employed |  |  |  | 4.1 |  |  |  | NA |  | 8690.04 | Yes | 10 | 30090.38 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7.0 | 3775.26 | 3775.26 | 596.51 | 4491.77 | XXXX | Fixed | 360 | 360 | XXXX | 0 |  |  |  |  |  |  |  |  | 7 |  |  |  |  |  |  | No | 0 | No | false | false |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 12576 | 1 | 191727 | 223 | 6 | 0.26102372034956306 | 2 | No | N/A | Manual Underwriting |  | 7.234 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | Yes | false | XXXX | 720 | 730 | 720 | 719 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 45.11 | 49.85 | 11215 |  |  |  | 11215 | Employed |  |  |  | 2.58 |  |  |  | NA | 5685.08 | 5590.92 | Partial | 8 | 37944.88 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.25 | 6.25 | 3939.97 | 3939.97 | 1120.89 | 5058.92 | XXXX | Fixed | 360 | 360 | XXXX | 0 |  |  |  |  |  |  |  |  | 6.25 |  |  |  |  |  |  | No | 0 | No | false | false |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 9193.75 | 1 | 19983 | 79 | 7 | 0.18651837111790207 | 5 | No | N/A | Manual Underwriting |  | 6.385 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | No | false | XXXX | 651 | 609 | 651 | 666 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 5760.75 | Partial | 96 | 149721.56 | XXXX | XXXX | 70.0 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.25 | 6.25 | 1055.52 | 1055.52 |  | 1460.61 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 6.25 |  |  |  |  |  |  | No | 0 | No | false |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 197 |  |  | 3 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 63990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 782 | 810 | 782 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 757 | 755 | 769 | 757 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 7707.53 | Yes | 10 | 33263.93 | XXXX | XXXX | 85.0 | 85 | 85 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.25 | 6.25 | 2538.29 | 2538.29 |  | 3264.05 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 6.25 |  |  |  |  |  |  | No | 0 | No | false |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 4 |  | 302 |  |  | 11.25 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 63983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 749 | 753 | 749 | 749 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  | 13.2 |  |  |  | NA |  | 674.89 | Yes | 61 | 147520.15 | XXXX | XXXX | 70.0 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 1952.34 | 1952.34 |  | 2405.41 | XXXX | Fixed | 360 | 480 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 6.375 |  |  |  |  |  |  | true | 120 | No | false |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 186 |  |  | 0 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | No | false | XXXX | 718 | 705 | 725 | 718 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 23.6 | 27.07 | 11533.32 |  |  |  | 11533.32 | Employed |  |  |  | 4.16 |  |  |  | NA |  | 3122.33 | Yes | 45.39 | 123525.27 | XXXX | XXXX | 75.0 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7.0 | 2135.62 | 2135.62 | 585.71 | 2721.33 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 7.0 |  |  |  |  |  |  | No | 0 | No | false | false |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 123525.27 | 7222.5 | 1 | 16000 | 75 | 5 | 0.3174814814814815 | 2.75 | No | N/A | Manual Underwriting |  | 7.239 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 770 | 770 | 761 | 783 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 27.18 | 48.91 | 16544 |  |  |  | 16544 | Employed |  |  |  | 6.91 |  |  |  | NA | 8451.77 | 8092.23 | Yes | 24 | 111822.34 | XXXX | XXXX | 75.0 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 3841.76 | 3841.76 | 0 | 4621.56 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 7.75 |  |  |  |  |  |  | No | 0 | No | false | false |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | Yes | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 9833.75 | 2 | 83500 | 0 | 5 | 0.09532846715328468 | 6 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 735 | 715 | 735 | 738 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | false | XXXX |  | 0 |  | 0 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 7233 | Yes | 142.4 | 361263.76 | XXXX | XXXX | 75.0 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.25 | 6.25 | 2285.85 | 2285.85 |  | 2537.05 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 6.25 |  |  |  |  |  |  | No | 0 | No | false |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 361263.76 |  | 6 |  | 281 |  |  | 16 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 63994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 756 | 785 | 747 | 756 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | false | XXXX | 775 | 787 | 759 | 775 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 10245.46 | Yes | 19.13 | 42539.79 | XXXX | XXXX | 80.0 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.25 | 6.25 | 1297.93 | 1297.93 |  | 2223.68 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 6.25 |  |  |  |  |  |  | No | 0 | No | false |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 3 |  | 0 |  |  | 17 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 616 | 648 | 616 | 606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 595 | 637 | 595 | 572 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Second Home | Refinance | No Cash Out - Borrower Initiated | 26.93 | 46.52 | 9101.53 | 9217.84 |  |  | 18319.37 | Retired | Retired |  |  |  |  |  |  | 2 YRS | 9797.47 | 8521.9 | No | 8.73 | 30573.66 | XXXX | XXXX | 59.99 | 59.99 | 59.99 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 2946.51 | 2946.51 | 0 | 3501.61 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 7.25 |  |  |  |  |  |  | No | 0 | No | false | false |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 10373.47 | 2 | 32984 | 519 | 11 | 0.534689210006521 | 22 | No | N/A | Manual Underwriting |  | 7.327 | N/A |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 770 | 766 | 770 | 787 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 30.38 | 43.29 | 21702 |  |  |  | 21702 | Employed |  |  |  | 9.1 |  |  |  | NA |  | 9393.81 | Yes | 36 | 239409.45 | XXXX | XXXX | 90.0 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | ARM | XXXX | 6.125 | 6.125 | 5413.81 | 5413.81 | 1180.33 | 6594.14 | XXXX | ARM | 360 | 360 | XXXX | 4.5 | Nearest | 0.125 | 45 Days | SOFR 30 Day Average | 0 | 0 | 1 | 4.5 | 4.5 | 6.125 | 11.125 | 04-27-2027 | 05-27-2027 | 6 | 6 | false | 0 | No | false | true |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 11080 | 3 | 149567 | 278 | 11 | 0 | 5.6 | No | N/A | Manual Underwriting |  | 5.259 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 788 | 734 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | v | 773 | 789 | 773 | 770 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 797 | Yes | 4 | 20010.64 | XXXX | XXXX | 80.0 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 4196.93 | 4196.93 |  | 5132.51 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 6.5 |  |  |  |  |  |  | No | 0 | No | false |  | Y | 60 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 3 |  | 309 |  |  | 31 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 680 | 680 | 677 | 691 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 6087.65 | Yes | 44 | 53089.47 | XXXX | XXXX | 70.0 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.125 | 6.125 | 974 | 974 |  | 1210.04 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 6.125 |  |  |  |  |  |  | No | 0 | No | false |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 23895.28 |  | 2 |  | 105 |  |  | 1 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 779 | 779 | 776 | 781 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.54 | 30.35 | 30044 |  |  |  | 30044 | Employed |  |  |  | 3.10 |  |  |  | NA |  | 9119.82 | No | 13 | 107793.66 | XXXX | XXXX | 80.0 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.25 | 6.25 | 7019.18 | 7019.18 | 0 | 8573.82 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | false | 0 | No | false | false |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 13490 | 3 | 11800 | 236 | 9 | 0.29668989547038327 | 14.11 | No | N/A | Manual Underwriting |  | 6.377 | No | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64268 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 729 | 742 | 729 | 682 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 861.86 | Yes | 176.54 | 371393.72 | XXXX | XXXX | 70.0 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.25 | 6.25 | 1968.75 | 1968.75 |  | 2103.72 | XXXX | Fixed | 240 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 6.25 |  |  |  |  |  |  | true | 120 | No | false |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 368231.51 |  | 2 |  | 461 |  |  | 1 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 616 | 666 | 616 | 574 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 40.88 | 44.29 | 7386 |  |  |  | 7386 | Employed |  |  |  | 8.17 |  |  |  | NA | 4114.55 | 3271.45 | Yes | 19 | 41697.84 | XXXX | XXXX | 70.0 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 2387.62 | 2387.62 | 588.5 | 3019.45 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 7.25 |  |  |  |  |  |  | No | 0 | No | false | false |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 11120 | 1 | 5762 | 203 | 10 | 0.33658834299664325 | 2 | No | N/A | Manual Underwriting |  | 7.595 | Yes | No | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 64278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 748 | 721 | 748 | 753 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | 0 | 21209.49 | Yes | 132.38 | 249027.05 | XXXX | XXXX | 75.0 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1675.17 | 1675.17 |  | 1881.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | false | 0 | No | false |  | Y | 60 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 122223.48 |  | 10 |  | 230 |  |  | 2.67 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 65405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 754 | 773 | 734 | 754 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 4577.72 | Yes | 99.42 | 442173.75 | XXXX | XXXX | 75.0 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.125 | 6.125 | 3581.86 | 3581.86 |  | 4447.71 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | false | 0 | No | false |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | X |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 102 |  |  | 3.6 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |
| XXXX | XXXX | XXXX |  | 65406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 733 | 742 | 733 | 721 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 796 | Yes | 20 | 53731.38 | XXXX | XXXX | 80.0 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 1838.97 | 1838.97 |  | 2333.31 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  |  |  |  | 6.625 |  |  |  |  |  |  | No | 0 | No | false |  | Y | 60 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | D |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 6 |  | 133 |  |  | 2 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX |

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## Exhibit 99.44

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.44**

---

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| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **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 Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **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** | **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** | **QM Regulation Failures** | **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** | **Originator DSCR** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **CPA Letter Flag** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **Right to Cancel Form Type** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?**  | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** |
| XXXX | XXXX | 58059 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 23245 | $26377.43 | XXXX | 6.647% | $5333.79 | 6.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 4 | XXXX | $3602.04 | XXXX |  |  |  |  | 40.50% | 40.48% | 40.48% | XXXX | XXXX |  |  |  | 699 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 3 | Business | 100.00% | 100.00% |  | Audited | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 23245 |  | 3.200% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 24 |  | 0 | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 61279 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12334.5 | $16269.66 | XXXX | 6.192% | $3007.67 | 6.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $1233.00 | XXXX | TX | $91.67 |  |  | 31.22% | 31.22% | 31.22% | XXXX | XXXX |  |  |  | 730 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 0.00% | 33.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Balance Sheet Verified, Written VOE Verified, 24 Months Personal Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12334.5 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  |  |  | 0 | 0.000 |  | N/A | No | Yes | 36 | Yes | 36 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 61252 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 19467.5 | $22936.60 | XXXX | 7.298% | $6733.08 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  |  | 1 | XXXX | $1341.96 | XXXX | CA | $263.00 |  |  | 39.15% | 39.98% | 39.98% | XXXX | XXXX | XXXX |  |  | 592 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 2 | Personal | 0.00% | 0.00% | 0.00% |  | Borrower - Wage - Balance Sheet Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, 1 Month Personal Bank Statements Verified \|\| Co Borrower - Wage - Balance Sheet Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, 12 Personal Bank Statements Verified | Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 19467.5 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 2 | 2 | 0 | 0 | 0 | 2 | 2 |  |  |  | 0 | 0.000 |  |  | No | NA |  | Yes | 72 | H9 (Same Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 61248 | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $3007.89 | 7.375% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $2934.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 628 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 4 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.82 | 0.820 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 61545 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4274.75 | $4949.09 | XXXX | 6.694% | $1570.69 | 6.500% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $585.72 | XXXX |  |  |  |  | 43.01% | 43.01% | 43.01% | XXXX | XXXX |  |  |  | 608 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4274.75 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 3 |  |  |  |  | 0 | 0.000 |  |  | No | NA |  | Yes | 35 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 61498 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13041.25 | $15227.81 | XXXX | 6.678% | $4404.76 | 6.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $873.12 | XXXX |  |  |  |  | 44.00% | 43.97% | 43.97% | XXXX | XXXX |  |  |  | 736 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, 24 Months Business Bank Statements Verified - 2021 | Borrower - 2021 | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13041.25 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | Yes | 180 | Yes | 180 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 62749 | ATR/QM: Exempt | XXXX | Yes | No |  | $850.00 | XXXX |  | $2901.19 | 6.500% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $663.00 | XXXX | CA | $457.00 |  |  | 42.70% | 43.42% | 43.42% | XXXX | XXXX |  |  |  | 685 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 63997 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12576 | $15175.74 | XXXX | 7.234% | $3775.26 | 7.000% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $2280.00 | XXXX | FL | $120.00 |  |  | 43.18% | 43.45% | 43.45% | XXXX | XXXX |  |  |  | 687 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12576 |  | 3.760% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64002 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9193.75 | $11122.75 | XXXX | 6.385% | $3939.97 | 6.250% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | USA |  |  |  | $5685.08 | 1 | XXXX | $969.00 | XXXX |  |  |  |  | 49.86% | 49.85% | 49.85% | XXXX | XXXX |  |  |  | 720 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9193.75 |  | 3.960% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  | N/A | No | Yes | 12 | Yes | 12 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64005 | ATR/QM: Exempt | XXXX | No | No |  | $5034.32 | XXXX |  | $1055.52 | 6.250% | Yes |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXXX | $1311.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 651 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.10 | 1.100 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 63990 | ATR/QM: Exempt | XXXX | No | No |  | $9626.09 | XXXX |  | $2538.29 | 6.250% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  |  | 1 | XXXX | $2184.12 | XXXX | FL | $155.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 757 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.01 | 1.010 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 63983 | ATR/QM: Exempt | XXXX | No | No |  | $4078.67 | XXXX |  | $1952.34 | 6.375% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $1095.48 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 749 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.96 | 0.960 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64006 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7222.5 | $8342.58 | XXXX | 7.239% | $2135.62 | 7.000% | No |  | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXXX |  |  |  |  | 2 | XXXX | $975.96 | XXXX |  |  |  |  | 27.29% | 27.07% | 27.07% | XXXX | XXXX |  |  |  | 718 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - Written VOE Verified | Borrower | Written Verification of Employment |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7222.5 |  | 3.990% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |  | Yes | 26 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64279 | ATR/QM: Exempt | XXXX | Yes | No |  | $13711.89 | XXXX |  | $3841.76 | 7.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $8451.77 | 2 | XXXX | $420.12 | XXXX |  |  |  |  | 48.91% | 48.91% | 48.91% | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.47 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64269 | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $2285.85 | 6.250% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $696.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 735 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.10 | 1.100 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 63994 | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1297.93 | 6.250% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $1116.00 | XXXX | TX | $464.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 756 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.83 | 0.830 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64272 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $11875.31 | XXXX | 7.327% | $2946.51 | 7.250% | Yes | Yes | Retired | Retired |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $9797.47 | 1 | XXXX | $2067.96 | XXXX |  |  |  |  | 46.08% | 46.52% | 46.52% | XXXX | XXXX | XXXX |  |  | 595 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 7 | Personal | 0.00% | 0.00% |  |  | Borrower - Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified \|\| Co Borrower - Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10373.47 |  | 3.990% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 2 | 7 |  |  |  | 0.00 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| XXXX | XXXX | 64280 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11080 | $15096.66 | XXXX | 5.259% | $5413.81 | 6.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $1788.96 | XXXX |  |  |  |  | 43.28% | 43.29% | 43.29% | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11080 |  | 0.000% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.00 | 0.000 |  |  | No | Yes | 180 | Yes | 180 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64282 | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $4196.93 | 6.500% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  |  | 1 | XXXX | $852.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.7 | 0.700 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64270 | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $974.00 | 6.125% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $780.48 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 680 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.98 | 0.790 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64281 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13490 | $16135.67 | XXXX | 6.377% | $7019.18 | 6.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $843.12 | XXXX |  |  |  |  | 30.35% | 30.35% | 30.35% | XXXX | XXXX |  |  |  | 779 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13490 |  | 4.230% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.00 | 0.000 |  |  | No | Yes | 36 | Yes | 52 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64268 | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1968.75 | 6.250% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $519.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 729 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.95 | 0.950 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64276 | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11120 | $12260.20 | XXXX | 7.595% | $2387.62 | 7.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $4114.55 | 1 | XXXX | $812.04 | XXXX | CA | $43.33 |  |  | 44.29% | 44.29% | 44.29% | XXXX | XXXX |  |  |  | 616 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11120 |  | 3.960% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.00 | 0.000 |  | N/A | No | Yes | 12 | Yes | 12 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 64278 | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1675.17 | 6.875% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $0.00 | 1 | XXXX | $703.20 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.82 | 0.820 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 65405 | ATR/QM: Exempt | XXXX | No | No |  | $10942.13 | XXXX |  | $3581.86 | 6.125% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $565.20 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.67 | 0.670 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 65406 | ATR/QM: Exempt | XXXX | No | No |  | $10844.61 | XXXX |  | $1838.97 | 6.625% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | XXXX | $783.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.86 | 0.860 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.45

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.45**

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| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual in Place Rent From Lease** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Short Term Rent Amount** | **Short Term Rent Source** | **Short Term Rent Number of Months** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Property DTI** | **Investor DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Deed Vesting if not Borrower** | **Months Reserves** | **Qualifying Credit Score** | **Property Address** | **Property City** | **Property County** | **Property State** | **Property Zip** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** |
| XXXX | 61248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3200 | 3000 | Lease |  |  |  | 3000 | Lease | 129.5 |  | 0.82 | 0.82 | 3885.13 | 08-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43400 | No |  | 632.74 | 244.5 |  |  |  |  |  |  |  |  |  |  | No | No | 0.16666666666666666 | 1 | 2 | N/A |  | 4 | 628 | XXXX | XXXX | XXXX | TX | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 62749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 24 Month Bank Statement | Present | Yes | 2500 | 2500 | Appraisal |  |  |  | 2500 | Appraisal | 159.04 |  | 0 | 0 | 3975.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47720.28 | Yes | 457 | 562.5 | 55.25 |  |  |  |  |  |  |  |  |  |  | No | No | 1.5833333333333333 | 1 | 5 | N/A |  | 11 | 685 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 64005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal |  |  |  | 1600 | Appraisal | 91.29 |  | 1.10 | 1.1 | 1460.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 | No |  | 295.84 | 109.25 |  |  |  |  |  |  |  |  |  |  | No | No | 122.16666666666667 | 1 | 3 | N/A |  | 96 | 651 | XXXX | XXXX | XXXX | TX | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 63990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal |  |  |  | 3300 | Appraisal | 98.91 |  | 1.01 | 1.01 | 3264.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49900 | Yes | 155 | 388.75 | 182.01 |  |  |  |  |  |  |  |  |  |  | No | No | 8.25 | 1 | 4 | N/A |  | 10 | 757 | XXXX | XXXX | XXXX | FL | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 63983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2400 | 2300 | Appraisal |  |  |  | 2300 | Appraisal | 104.58 |  | 0.96 | 0.96 | 2405.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36800 | No |  | 361.78 | 91.29 |  |  |  |  |  |  |  |  |  |  | No | No | 7.416666666666667 | 1 | 3 | N/A |  | 61 | 749 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 64269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 3200 | Appraisal |  |  |  | 2800 | Appraisal | 90.61 |  | 1.10 | 1.1 | 2537.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39300 | No |  | 193.12 | 58.08 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 3 | 6 | N/A | XXXX | 142.4 | 735 | XXXX | XXXX | XXXX | CA | XXXX | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 |
| XXXX | 63994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal |  |  |  | 1850 | Appraisal | 120.2 |  | 0.83 | 0.83 | 2223.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 | Yes | 464 | 368.75 | 93 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 3 | N/A |  | 19.13 | 756 | XXXX | XXXX | XXXX | TX | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 64282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal |  |  |  | 3600 | Appraisal | 142.57 |  | 0.7 | 0.7 | 5132.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 93000 | No |  | 864.58 | 71 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 2 | 3 | N/A |  | 4 | 764 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 64270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 950 | Lease |  |  |  | 950 | Lease | 127.37 |  | 0.98 | 0.79 | 1210.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22900 | No |  | 171 | 65.04 |  |  |  |  |  |  |  |  |  |  | No | No | 1.1666666666666667 | 1 | 2 | N/A |  | 44 | 680 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 64268 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1995 | 2300 | Appraisal |  |  |  | 1995 | Appraisal | 105.45 |  | 0.95 | 0.95 | 2103.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25244.64 | No |  | 91.64 | 43.33 |  |  |  |  |  |  |  |  |  |  | No | No | 16.25 | 1 | 2 | N/A |  | 176.54 | 729 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 64278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1550 | 1600 | Appraisal |  |  |  | 1550 | Appraisal | 121.37 |  | 0.82 | 0.82 | 1881.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28190 | No |  | 147.45 | 58.6 |  |  |  |  |  |  |  |  |  |  | No | No | 3.0833333333333335 | 1 | 10 | N/A |  | 132.38 | 748 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 65405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal |  |  |  | 3000 | Appraisal | 148.26 |  | 0.67 | 0.67 | 4447.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38000 | No |  | 818.75 | 47.1 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 3 | N/A |  | 99.42 | 754 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| XXXX | 65406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal |  |  |  | 2000 | Appraisal | 116.67 |  | 0.86 | 0.86 | 2333.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20600 | No |  | 429.01 | 65.33 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 6 | N/A |  | 20 | 733 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |

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## Exhibit 99.46

[MFA 2023-NQM1 Trust ABS-15G](mfra-abs15g_010923.htm)

**Exhibit 99.46**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 58059 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.48 | 40.5 | 2% of variance acceptable |
| XXXX |  | 58059 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. |
| XXXX |  | 58059 | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| XXXX |  | 61279 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As Per 1008 Doc AUS Recommendation Is Manual Underwriting |
| XXXX |  | 61279 | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| XXXX |  | 61252 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.98 | 39.156 | ration 2.43 credits are all added correctly .43 away from the 2% ratio. |
| XXXX |  | 61252 | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | format matches |
| XXXX |  | 61252 | Borrower 1 Last Name | notePage | XXXX | XXXX | format matches |
| XXXX |  | 61252 | Borrower 1 First Name | notePage | XXXX | XXXX | format matches |
| XXXX |  | 61248 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual UW required. |
| XXXX |  | 61545 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.01 | 43.015 | Values Match |
| XXXX |  | 61545 | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Loan was manually underwritten |
| XXXX |  | 61498 | Interest Only Flag | notePage | true | Yes | Update as per Note Document |
| XXXX |  | 61498 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| XXXX |  | 61498 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.97 | 44.003 | DTI/HTI is +/- 2% allowable As per Guidelines |
| XXXX |  | 61498 | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| XXXX |  | 62749 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.42 | 42.707 | Within +/- 2% Factor Is Allowable per Guideline. |
| XXXX |  | 62749 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwriting As Per 1008 Doc 1Cr |
| XXXX |  | 62749 | Calculated DSCR | diligenceFinalLookPage | 0 | 0.47 | This loan having income document so the loan is Conventional loan. |
| XXXX |  | 62749 | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| XXXX |  | 63997 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.45 | 43.185 | With In 2% |
| XXXX |  | 63997 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This Is Manual Underwriter Loan Updated As Per 1008 Document |
| XXXX |  | 63997 | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| XXXX |  | 64002 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| XXXX |  | 64002 | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| XXXX |  | 64005 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As per the 1008 document this loan Have Manual underwriting |
| XXXX |  | 63990 | Qualifying FICO | creditLiabilitiesPage | 757 | 782 | Updated as per Credit Report |
| XXXX |  | 63990 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| XXXX |  | 63983 | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Confirmed to be Manual Underwriting |
| XXXX |  | 64006 | Property Zip Code | notePage | 07206 | 7206 | Updated as per Note Document |
| XXXX |  | 64006 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| XXXX |  | 64006 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.07 | 27.30 | As per guideline +/-2% DTI allowable |
| XXXX |  | 64006 | Originator Doc Type | employmentIncomePage | ALT DOC | Written Verification of Employment |  |
| XXXX |  | 64279 | Calculated DSCR | diligenceFinalLookPage | 0 | 0.47 | Updated As Per Document |
| XXXX |  | 64279 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This Is Manual Underwriter Loan |
| XXXX |  | 64279 | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| XXXX |  | 64269 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Verified manual underwriting |
| XXXX |  | 63994 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Verified is manual underwriting |
| XXXX |  | 63994 | Loan Program | the1003Page | XXXX | XXXX | IS DSCR. |
| XXXX |  | 64272 | AUS Recommendation | the1008Page | Manual Underwriting | Refer With Caution | Verified with 1008 is manual |
| XXXX |  | 64272 | Qualifying FICO | creditLiabilitiesPage | 595 | 616 | Verified with the approval is 595 |
| XXXX |  | 64272 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.52 | 46.09 | Within 2 percent |
| XXXX |  | 64272 | Originator Doc Type | employmentIncomePage | ALT DOC | Full Doc |  |
| XXXX |  | 64280 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS confirmed to be Manual Underwriting |
| XXXX |  | 64280 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.29 | 43.28 | DTI within 2% |
| XXXX |  | 64280 | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| XXXX |  | 64282 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Verified manual underwriting |
| XXXX |  | 64270 | Calculated DSCR | diligenceFinalLookPage | 0.79 | 0.98 | $950 rent / $1,210.03 PITI = 0.79 DSCR. Per guidelines using the lessor amount. |
| XXXX |  | 64281 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS confirmed to be Manual Underwriting |
| XXXX |  | 64281 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.35 | 30.36 | DTI within 2% |
| XXXX |  | 64281 | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| XXXX |  | 64268 | Interest Only Flag | notePage | true | Yes | Interest Only Flag confirmed with Note document |
| XXXX |  | 64268 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is Manual Underwriting |
| XXXX |  | 64276 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This Is Manual Underwriter Loan |
| XXXX |  | 64276 | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| XXXX |  | 64278 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | manual U/W |
| XXXX |  | 65405 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W |
| XXXX |  | 65406 | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 and approval Document |

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